# EDGAR Filing Document

**Accession Number:** 0002083697
**File Stem:** 0001104659-26-021468
**Filing Date:** 2026-2
**Character Count:** 4522849
**Document Hash:** 14fb2dbcff06be98d6b9476d8f0eb109
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-021468.hdr.sgml**: 20260227

**ACCESSION NUMBER**: 0001104659-26-021468

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

**PUBLIC DOCUMENT COUNT**: 53

**CONFORMED PERIOD OF REPORT**: 20260227

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

**FILED AS OF DATE**: 20260227

**DATE AS OF CHANGE**: 20260227

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921
- **FILM NUMBER:** 26698304

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

___________________ to ___________________

Date of Report (Date of earliest event reported) __________________________

Commission File Number of securitizer: __________________________

Central Index Key Number of securitizer: __________________________

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

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

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

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

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

Central Index Key Number of depositor: 0002083697

**Verus Securitization Trust 2026-3**

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

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

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

---

| |
|:---|
| Robert Konigsberg |
| (202) 534-1815 |
| Name and telephone number, including area code, of the person to |
| contact in connection with this filing |

---

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure**

N/A

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

N/A

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

N/A

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

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

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

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

N/A

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](tm267306d1_ex99-1.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm267306d1_ex99-1.htm) |
| [99.2](tm267306d1_ex99-2.htm) | [AMC Data Compare Report](tm267306d1_ex99-2.htm) |
| [99.3](tm267306d1_ex99-3.htm) | [AMC Exception Grades](tm267306d1_ex99-3.htm) |
| [99.4](tm267306d1_ex99-4.htm) | [AMC Rating Agency Grades](tm267306d1_ex99-4.htm) |
| [99.5](tm267306d1_ex99-5.htm) | [AMC QM-ATR Diligence Report](tm267306d1_ex99-5.htm) |
| [99.6](tm267306d1_ex99-6.htm) | [AMC Valuation Report](tm267306d1_ex99-6.htm) |
| [99.7](tm267306d1_ex99-7.htm) | [AMC Supplemental Data](tm267306d1_ex99-7.htm) |
| [99.8](tm267306d1_ex99-8.htm) | [AMC Tax and Title Report](tm267306d1_ex99-8.htm) |
| [99.9](tm267306d1_ex99-9.htm) | [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm267306d1_ex99-9.htm) |
| [99.10](tm267306d1_ex99-10.htm) | [Canopy Rating Agency Grades Detail Report](tm267306d1_ex99-10.htm) |
| [99.11](tm267306d1_ex99-11.htm) | [Canopy Rating Agency Grades Summary Report](tm267306d1_ex99-11.htm) |
| [99.12](tm267306d1_ex99-12.htm) | [Canopy Data Compare Report](tm267306d1_ex99-12.htm) |
| [99.13](tm267306d1_ex99-13.htm) | [Canopy ATR QM Report](tm267306d1_ex99-13.htm) |
| [99.14](tm267306d1_ex99-14.htm) | [Canopy Valuation Report](tm267306d1_ex99-14.htm) |
| [99.15](tm267306d1_ex99-15.htm) | [Clarifii LLC ("Clarifii") Executive Summary](tm267306d1_ex99-15.htm) |
| [99.16](tm267306d1_ex99-16.htm) | [Clarifii Rating Agency Grades Detail Report](tm267306d1_ex99-16.htm) |
| [99.17](tm267306d1_ex99-17.htm) | [Clarifii Rating Agency Grades Summary Report](tm267306d1_ex99-17.htm) |
| [99.18](tm267306d1_ex99-18.htm) | [Clarifii Data Compare Report](tm267306d1_ex99-18.htm) |
| [99.19](tm267306d1_ex99-19.htm) | [Clarifii ATR QM Report](tm267306d1_ex99-19.htm) |
| [99.20](tm267306d1_ex99-20.htm) | [Clarifii Valuation Report](tm267306d1_ex99-20.htm) |
| [99.21](tm267306d1_ex99-21.htm) | [Clarifii Tax and Title Report](tm267306d1_ex99-21.htm) |
| [99.22](tm267306d1_ex99-22.htm) | [Clarifii Multi Property Valuation](tm267306d1_ex99-22.htm) |
| [99.23](tm267306d1_ex99-23.htm) | [Selene Diligence LLC ("Selene") Due Diligence Review Narrative](tm267306d1_ex99-23.htm) |
| [99.24](tm267306d1_ex99-24.htm) | [Selene Rating Agency Grades Detail Report](tm267306d1_ex99-24.htm) |
| [99.25](tm267306d1_ex99-25.htm) | [Selene Rating Agency Grades Report](tm267306d1_ex99-25.htm) |
| [99.26](tm267306d1_ex99-26.htm) | [Selene Data Compare Report](tm267306d1_ex99-26.htm) |
| [99.27](tm267306d1_ex99-27.htm) | [Selene ATR QM Detail](tm267306d1_ex99-27.htm) |
| [99.28](tm267306d1_ex99-28.htm) | [Selene Valuations Report](tm267306d1_ex99-28.htm) |
| [99.29](tm267306d1_ex99-29.htm) | [Evolve Mortgage Services, LLC ("Evolve") Executive Summary](tm267306d1_ex99-29.htm) |
| [99.30](tm267306d1_ex99-30.htm) | [Evolve Exception Detail](tm267306d1_ex99-30.htm) |
| [99.31](tm267306d1_ex99-31.htm) | [Evolve Data Compare](tm267306d1_ex99-31.htm) |
| [99.32](tm267306d1_ex99-32.htm) | [Evolve QM ATR Data](tm267306d1_ex99-32.htm) |
| [99.33](tm267306d1_ex99-33.htm) | [Evolve Rating Agency Grades](tm267306d1_ex99-33.htm) |
| [99.34](tm267306d1_ex99-34.htm) | [Evolve Valuation Report](tm267306d1_ex99-34.htm) |
| [99.35](tm267306d1_ex99-35.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm267306d1_ex99-35.htm) |
| [99.36](tm267306d1_ex99-36.htm) | [Clayton Conditions Report](tm267306d1_ex99-36.htm) |
| [99.37](tm267306d1_ex99-37.htm) | [Clayton Loan Level Tape Compare Upload](tm267306d1_ex99-37.htm) |
| [99.38](tm267306d1_ex99-38.htm) | [Clayton Non ATR QM Upload](tm267306d1_ex99-38.htm) |
| [99.39](tm267306d1_ex99-39.htm) | [Clayton Rating Agency Grades Report](tm267306d1_ex99-39.htm) |
| [99.40](tm267306d1_ex99-40.htm) | [Clayton Valuations Summary](tm267306d1_ex99-40.htm) |

---

**SIGNATURE**

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

Date: February 27, 2026

---

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

---

## Exhibit 99.1

**EXHIBIT 99.1**

**AMC DILIGENCE, LLC ("AMC") DUE DILIGENCE EXECUTIVE SUMMARY**

![](tm267306d1_ex99-1img01.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) on a flow or mini-bulk basis by VMC Asset Pooler, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from July 2024 through January 2026 on Loans with origination dates from July 2024 through January 2026 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained one hundred eighty-seven (187) Loans totaling an aggregate original principal balance of approximately $100.785 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), DBRS, Inc. ("DBRS") and Fitch Ratings, Inc. ("Fitch").

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Guarantor 1 First Name | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Guarantor 1 Last Name | &nbsp;&nbsp;Original PITIA |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Prepayment Terms |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Loan Amount |  |

---

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

1 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

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

Of specific note, there were seventy-six (76) Loans where the income was verified, and a DTI was calculated within Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, CPA letters and P&Ls. Within this securitization, three (3) Loans utilized twenty-four (24) or more months of bank statements, thirty-six (36) Loans utilized twelve (12) through twenty-three (23) months of bank statements, two (2) Loans utilized twenty-four (24) or more months of P&L income, and thirteen (13) Loans utilized twelve (12) months of P&L income. There were three (3) Loans that were considered asset depletion loans. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with three (3) Loans only having 12 months of income verification.

There were one hundred eleven (111) Loans that were considered Business Purpose/Property Focused Investor Loans. Fifty-five (55) Loans were Property Focused Loans with DSCR calculation. The remaining fifty-six (56) Loans were considered Property Focused Loans with no DSCR calculation.

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

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

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

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

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

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

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

2 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

**<u>BUSINESS PURPOSE SCOPE</u>**

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

▪ Reviewing the provided Note, Mortgage/DOT, and
Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation.

▪ Examining appraisal reports, BPO's, and
appraisal reviews to determine if the property type is consistent with underwritten property type and usage (such as evidence/an indication
of either owner or tenant occupancy) and comparing this information against other relevant information contained within applicable sections
of the loan file to evaluate consistency, accuracy, and adherence to the credit policy.

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

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

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

3 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

4 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the 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.

5 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

6 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

7 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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));

8 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

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

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

Notwithstanding the above, for loans with the variance evaluation of VSH performed by AMC on QM (APOR) loans, the Lender provided a VSH Indicator of "Yes". The VSH indicator was provided within the loan images, on the data tape, deal notes, or as part of the loan program/guidelines being originated to. The loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender identified the loan to have VSH status, then AMC reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances were identified, then the loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines. The results of the variance analysis are reflected in the reports.

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

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

9 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

10 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

**(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;

&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.

11 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

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

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

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

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

**(9) Disclaimer.**

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

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

12 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

**SUMMARY OF FINDINGS AND CONCLUSIONS**

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

**OVERALL REVIEW RESULTS SUMMARY**

Of the one hundred eighty-seven (187) Loans reviewed under the applicable grading criteria, all one hundred eighty-seven (187) Loans received an overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;145 | &nbsp;&nbsp;77.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;42 | &nbsp;&nbsp;22.46% |
| &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;**187** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the seventy-six (76) Loans reviewed for compliance under the applicable grading criteria, all seventy-six (76) Loans received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Compliance Loan Grades** | &nbsp;&nbsp; **Compliance Loan Grades** | &nbsp;&nbsp; **Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;60 | &nbsp;&nbsp;78.95% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;21.05% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**76** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All one hundred eighty-seven (187) Loans reviewed under the applicable grading criteria, received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;161 | &nbsp;&nbsp;86.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;26 | &nbsp;&nbsp;13.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**187** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All one hundred eighty-seven (187) Loans reviewed under the applicable grading criteria, received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;187 | &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;**187** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**DBRS & Fitch<br> Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***25*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**25** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***39*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**39** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**64** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred eighty-seven (187) Loans reviewed, one hundred fifty-six (156) unique Loans had three hundred eighty-nine (389) different tape discrepancies across thirty-five (35) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name, Original HLTV, First Payment Date and MERS Min Number, where the data tape information did not coincide with the documentation type found in the loan file.

14 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;9 | &nbsp;&nbsp;187 | &nbsp;&nbsp;4.81% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;4 | &nbsp;&nbsp;76 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;185 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;76 | &nbsp;&nbsp;10.53% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;156 | &nbsp;&nbsp;0.64% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;46 | &nbsp;&nbsp;187 | &nbsp;&nbsp;24.60% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;35 | &nbsp;&nbsp;2.86% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;20 | &nbsp;&nbsp;49 | &nbsp;&nbsp;40.82% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;21 | &nbsp;&nbsp;27 | &nbsp;&nbsp;77.78% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;187 | &nbsp;&nbsp;1.07% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;37 | &nbsp;&nbsp;16.22% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;7 | &nbsp;&nbsp;37 | &nbsp;&nbsp;18.92% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;3 | &nbsp;&nbsp;79 | &nbsp;&nbsp;3.80% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;8 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;33 | &nbsp;&nbsp;110 | &nbsp;&nbsp;30.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Guarantor 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Guarantor 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;159 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;13 | &nbsp;&nbsp;53 | &nbsp;&nbsp;24.53% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;157 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;15 | &nbsp;&nbsp;110 | &nbsp;&nbsp;13.64% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;33 | &nbsp;&nbsp;83 | &nbsp;&nbsp;39.76% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;31 | &nbsp;&nbsp;54.84% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;184 | &nbsp;&nbsp;0.54% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;134 | &nbsp;&nbsp;2.99% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;42 | &nbsp;&nbsp;49 | &nbsp;&nbsp;85.71% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;187 | &nbsp;&nbsp;0.53% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;187 | &nbsp;&nbsp;1.60% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;160 | &nbsp;&nbsp;6.88% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;160 | &nbsp;&nbsp;1.25% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;2 | &nbsp;&nbsp;34 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;6 | &nbsp;&nbsp;49 | &nbsp;&nbsp;12.24% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;21 | &nbsp;&nbsp;185 | &nbsp;&nbsp;11.35% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;184 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;11 | &nbsp;&nbsp;185 | &nbsp;&nbsp;5.95% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;187 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;16 | &nbsp;&nbsp;187 | &nbsp;&nbsp;8.56% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;20 | &nbsp;&nbsp;73 | &nbsp;&nbsp;27.40% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;187 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;187 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**389** | &nbsp;&nbsp;**4572** | &nbsp;&nbsp;**8.51%** | &nbsp;&nbsp;**187** |

---

15 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

**SitusAMC TITLE REVIEW SUMMARY (2 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on two (2) Loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

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

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

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

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

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

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

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

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;185 | &nbsp;&nbsp;98.93% | &nbsp;&nbsp;$99069585.00 | &nbsp;&nbsp;98.30% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.07% | &nbsp;&nbsp;$1715000.00 | &nbsp;&nbsp;1.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**187** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$100784585.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;184 | &nbsp;&nbsp;98.40% | &nbsp;&nbsp;$100069585.00 | &nbsp;&nbsp;99.29% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.60% | &nbsp;&nbsp;$715000.00 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**187** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$100784585.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;64 | &nbsp;&nbsp;34.22% | &nbsp;&nbsp;$35207619.00 | &nbsp;&nbsp;34.93% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;11 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;$4321690.00 | &nbsp;&nbsp;4.29% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;94 | &nbsp;&nbsp;50.27% | &nbsp;&nbsp;$45181126.00 | &nbsp;&nbsp;44.83% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;18 | &nbsp;&nbsp;9.63% | &nbsp;&nbsp;$16074150.00 | &nbsp;&nbsp;15.95% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**187** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$100784585.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

![](tm267306d1_ex99-1img01.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% | &nbsp;&nbsp;$224000.00 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% | &nbsp;&nbsp;$150000.00 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;184 | &nbsp;&nbsp;98.40% | &nbsp;&nbsp;$99510585.00 | &nbsp;&nbsp;98.74% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% | &nbsp;&nbsp;$900000.00 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**187** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$100784585.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;87 | &nbsp;&nbsp;46.52% | &nbsp;&nbsp;$47772516.00 | &nbsp;&nbsp;47.40% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;22 | &nbsp;&nbsp;11.76% | &nbsp;&nbsp;$7163529.00 | &nbsp;&nbsp;7.11% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.74% | &nbsp;&nbsp;$4161355.00 | &nbsp;&nbsp;4.13% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% | &nbsp;&nbsp;$110250.00 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;56 | &nbsp;&nbsp;29.95% | &nbsp;&nbsp;$29904685.00 | &nbsp;&nbsp;29.67% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.07% | &nbsp;&nbsp;$855000.00 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.74% | &nbsp;&nbsp;$6841250.00 | &nbsp;&nbsp;6.79% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.53% | &nbsp;&nbsp;$371000.00 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.14% | &nbsp;&nbsp;$3605000.00 | &nbsp;&nbsp;3.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**187** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$100784585.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;57 | &nbsp;&nbsp;30.48% | &nbsp;&nbsp;$35348064.00 | &nbsp;&nbsp;35.07% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;128 | &nbsp;&nbsp;68.45% | &nbsp;&nbsp;$64507771.00 | &nbsp;&nbsp;64.01% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.07% | &nbsp;&nbsp;$928750.00 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**187** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$100784585.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC DATA COMPARE REPORT**

![](tm267306d1_exhibitimg001.jpg)

**Data Compare**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 816365 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 816365 | xxxxxx |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 816365 | xxxxxx |  |  | Cash To Borrower | 310000.00 | 302570.83 | Verified | Field value reflects source document |
| xxxxxx | 816365 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 27.85 | 44.58787 | Verified | Field Value DTI is lower than 1008 value due to Lender used higher lower income than verified by audit |
| xxxxxx | 816365 | xxxxxx |  |  | Original HLTV | 0 | 7.95892 | Verified | Field value reflects source document |
| xxxxxx | 839677 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 839677 | xxxxxx |  |  | Cash To Borrower | 39662.23 | 50148.07 | Verified | Field value reflects source document |
| xxxxxx | 839677 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 27.86 | 21.69269 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 839677 | xxxxxx |  |  | Original HLTV | 0 | 8.86525 | Verified | Field value reflects source document |
| xxxxxx | 847125 | xxxxxx |  |  | Representative FICO | 680 | 0 | Verified | Borrower is foreign national |
| xxxxxx | 847125 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847125 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847125 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.77 | 1.62 | Verified | Field value reflects source document |
| xxxxxx | 837568 | xxxxxx |  |  | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 837568 | xxxxxx |  |  | Cash To Borrower | 0.00 | 84672.28 | Verified | Field value reflects source document |
| xxxxxx | 837568 | xxxxxx |  |  | Original HLTV | 0 | 49.55446 | Verified | Field value reflects source document |
| xxxxxx | 848187 | xxxxxx |  |  | Cash To Borrower | 167979.00 | 165536.69 | Verified | Field value reflects source document |
| xxxxxx | 848187 | xxxxxx |  |  | Original HLTV | 0 | 72.75132 | Verified | Field value reflects source document |
| xxxxxx | 845842 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 845842 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845842 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 845842 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845842 | xxxxxx |  |  | Cash From Borrower | 0.00 | 157084.01 | Verified | Field value reflects source document |
| xxxxxx | 845842 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848992 | xxxxxx |  |  | Doc Type | Full | WVOE | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 848992 | xxxxxx |  |  | # of Units | 4 | 3 | Verified | Field value reflects source document |
| xxxxxx | 848992 | xxxxxx |  |  | Cash From Borrower | 0.00 | 169145.98 | Verified | Field value reflects source document |
| xxxxxx | 848992 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 52.31 | 44.67593 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848992 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848078 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848648 | xxxxxx |  |  | # of Units | 4 | 2 | Verified | Field value reflects source document |
| xxxxxx | 848648 | xxxxxx |  |  | Cash From Borrower | 0.00 | 252671.31 | Verified | Field value reflects source document |
| xxxxxx | 848648 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849238 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849238 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849238 | xxxxxx |  |  | Cash To Borrower | 404566.00 | 396811.66 | Verified | Field value reflects source document |
| xxxxxx | 849238 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848680 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848680 | xxxxxx |  |  | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 848680 | xxxxxx |  |  | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 848680 | xxxxxx |  |  | # of Units | 1 | 5 | Verified | Field value reflects source document |
| xxxxxx | 848680 | xxxxxx |  |  | Cash From Borrower | 0.00 | 395646.05 | Verified | Field value reflects source document |
| xxxxxx | 848680 | xxxxxx |  |  | Original HLTV | 0 | 70.27027 | Verified | Field value reflects source document |
| xxxxxx | 848711 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848711 | xxxxxx |  |  | Cash From Borrower | 0.00 | 100614.72 | Verified | Field value reflects source document |
| xxxxxx | 848711 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846452 | xxxxxx |  |  | Cash To Borrower | 136846.00 | 146214.95 | Verified | Field value reflects source document |
| xxxxxx | 846452 | xxxxxx |  |  | Original HLTV | 0 | 68.02857 | Verified | Field value reflects source document |
| xxxxxx | 846161 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 846161 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846161 | xxxxxx |  |  | Cash From Borrower | 0.00 | 48295.20 | Verified | Field value reflects source document |
| xxxxxx | 846161 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849629 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849629 | xxxxxx |  |  | Cash From Borrower | 0.00 | 247494.47 | Verified | Field value reflects source document |
| xxxxxx | 849629 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847863 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847863 | xxxxxx |  |  | Representative FICO | 789 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847863 | xxxxxx |  |  | Cash From Borrower | 0.00 | 211879.83 | Verified | Field value reflects source document |
| xxxxxx | 847863 | xxxxxx |  |  | Original HLTV | 0 | 72 | Verified | Field value reflects source document |
| xxxxxx | 849097 | xxxxxx |  |  | Cash From Borrower | 0.00 | 372324.45 | Verified | Field value reflects source document |
| xxxxxx | 849097 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850325 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850325 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850325 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.16 | Verified | Using Market rents from 1025 appraisal |
| xxxxxx | 849260 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849260 | xxxxxx |  |  | Representative FICO | 715 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849260 | xxxxxx |  |  | Cash To Borrower | 10000.00 | 205616.77 | Verified | Field value reflects source document |
| xxxxxx | 849260 | xxxxxx |  |  | Product Description | Foreign National i | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 849260 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 850176 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850176 | xxxxxx |  |  | Cash To Borrower | 188852.25 | 191619.49 | Verified | Field value reflects source document |
| xxxxxx | 850176 | xxxxxx |  |  | Original HLTV | 0 | 43.01075 | Verified | Field value reflects source document |
| xxxxxx | 849282 | xxxxxx |  |  | Representative FICO | 762 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849282 | xxxxxx |  |  | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 849282 | xxxxxx |  |  | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 849282 | xxxxxx |  |  | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 851440 | xxxxxx |  |  | # of Units | 5 | 8 | Verified | Field value reflects source document |
| xxxxxx | 851440 | xxxxxx |  |  | Product Description | DSCR Multi i | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 851440 | xxxxxx |  |  | Cash From Borrower | 0.00 | 385354.98 | Verified | Field value reflects source document |
| xxxxxx | 851440 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850178 | xxxxxx |  |  | Original Term | 180 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 850178 | xxxxxx |  |  | Amortization Term | 180 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 850178 | xxxxxx |  |  | Cash To Borrower | 274003.81 | 271332.46 | Verified | Field value reflects source document |
| xxxxxx | 850178 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 37.8 | 34.38694 | Verified | 1008 approved with 34.93%. |
| xxxxxx | 850178 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 850741 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850741 | xxxxxx |  |  | Cash From Borrower | 0.00 | 456975.00 | Verified | Field value reflects source document |
| xxxxxx | 850741 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850079 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850079 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 850079 | xxxxxx |  |  | Cash To Borrower | 52287.38 | 38939.18 | Verified | Field value reflects source document |
| xxxxxx | 850079 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850455 | xxxxxx |  |  | Cash From Borrower | 0.00 | 124530.87 | Verified | Field value reflects source document |
| xxxxxx | 850455 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849131 | xxxxxx |  |  | Cash To Borrower | 152600.00 | 142241.63 | Verified | Field value reflects source document |
| xxxxxx | 849131 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849511 | xxxxxx |  |  | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 849511 | xxxxxx |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849511 | xxxxxx |  |  | Cash To Borrower | 0.00 | 2575.36 | Verified | Field value reflects source document |
| xxxxxx | 849511 | xxxxxx |  |  | Original CLTV | 57.14286 | 59.03571 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 849511 | xxxxxx |  |  | Original LTV | 57.14286 | 59.03571 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 849511 | xxxxxx |  |  | Original HLTV | 0 | 59.03571 | Verified | Field value reflects source document |
| xxxxxx | 852742 | xxxxxx |  |  | Cash To Borrower | 685055.67 | 684924.42 | Verified | Field value reflects source document |
| xxxxxx | 852742 | xxxxxx |  |  | Original HLTV | 0 | 46.66667 | Verified | Field value reflects source document |
| xxxxxx | 849680 | xxxxxx |  |  | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 849680 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 849680 | xxxxxx |  |  | Original CLTV | 75 | 72.93814 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 849680 | xxxxxx |  |  | Original LTV | 75 | 72.93814 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 849680 | xxxxxx |  |  | Cash From Borrower | 0.00 | 153318.45 | Verified | Field value reflects source document |
| xxxxxx | 849680 | xxxxxx |  |  | Original HLTV | 0 | 72.93814 | Verified | Field value reflects source document |
| xxxxxx | 849717 | xxxxxx |  |  | Borrower SSN |  | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 849717 | xxxxxx |  |  | Cash To Borrower | 0.00 | 900.14 | Verified | Field value reflects source document |
| xxxxxx | 849717 | xxxxxx |  |  | Original HLTV | 0 | 74.88636 | Verified | Field value reflects source document |
| xxxxxx | 851714 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851714 | xxxxxx |  |  | Original Term | 180 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 851714 | xxxxxx |  |  | Amortization Term | 180 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 851714 | xxxxxx |  |  | Cash To Borrower | 150907.00 | 145201.32 | Verified | Field value reflects source document |
| xxxxxx | 851714 | xxxxxx |  |  | Original HLTV | 0 | 57.72059 | Verified | Field value reflects source document |
| xxxxxx | 850422 | xxxxxx |  |  | Cash To Borrower | 306726.34 | 16874.32 | Verified | Field value reflects source document |
| xxxxxx | 850422 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842918 | xxxxxx |  |  | Representative FICO | 768 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842918 | xxxxxx |  |  | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 842918 | xxxxxx |  |  | Cash To Borrower | 107993.17 | 115964.67 | Verified | Field value reflects source document |
| xxxxxx | 842918 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 851541 | xxxxxx |  |  | Cash To Borrower | 34321.00 | 33866.87 | Verified | Field value reflects source document |
| xxxxxx | 851541 | xxxxxx |  |  | Product Description | Investor Solutions DSCR c | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 851541 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850895 | xxxxxx |  |  | Cash From Borrower | 0.00 | 201779.65 | Verified | Field value reflects source document |
| xxxxxx | 850895 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850498 | xxxxxx |  |  | Cash To Borrower | 131100.00 | 134536.86 | Verified | Field value reflects source document |
| xxxxxx | 850498 | xxxxxx |  |  | Original HLTV | 0 | 39.88604 | Verified | Field value reflects source document |
| xxxxxx | 851060 | xxxxxx |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851060 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 849224 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849224 | xxxxxx |  |  | Cash From Borrower | 0.00 | 202349.59 | Verified | Field value reflects source document |
| xxxxxx | 849224 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 851602 | xxxxxx |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851602 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 851602 | xxxxxx |  |  | Cash From Borrower | 0.00 | 215062.59 | Verified | Field value reflects source document |
| xxxxxx | 851602 | xxxxxx |  |  | Original HLTV | 0 | 45.20548 | Verified | Field value reflects source document |
| xxxxxx | 851535 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851535 | xxxxxx |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851535 | xxxxxx |  |  | Cash From Borrower | 0.00 | 187550.24 | Verified | Field value reflects source document |
| xxxxxx | 851535 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 852740 | xxxxxx |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852740 | xxxxxx |  |  | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 852740 | xxxxxx |  |  | Cash To Borrower | 523919.60 | 523772.56 | Verified | Field value reflects source document |
| xxxxxx | 852740 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 41.68 | 26.79024 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 852740 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 852403 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852403 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 852403 | xxxxxx |  |  | Cash To Borrower | 1281759.00 | 1254325.14 | Verified | Field value reflects source document |
| xxxxxx | 852403 | xxxxxx |  |  | Original CLTV | 64.5161 | 63.29111 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 852403 | xxxxxx |  |  | Original LTV | 64.5161 | 63.29111 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 852403 | xxxxxx |  |  | Original HLTV | 0 | 63.29111 | Verified | Field value reflects source document |
| xxxxxx | 853728 | xxxxxx |  |  | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 852397 | xxxxxx |  |  | Original Interest Rate | 7.5 | 7.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 852397 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852397 | xxxxxx |  |  | Cash From Borrower | 0.00 | 218685.17 | Verified | Field value reflects source document |
| xxxxxx | 852397 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 32.5 | 39.22381 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 852397 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 854498 | xxxxxx |  |  | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854498 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 854498 | xxxxxx |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| xxxxxx | 854498 | xxxxxx |  |  | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 854498 | xxxxxx |  |  | Original CLTV | 78.5124 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 854498 | xxxxxx |  |  | Original LTV | 78.5124 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 854498 | xxxxxx |  |  | Product Description | Conventional Plus | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 854498 | xxxxxx |  |  | Cash From Borrower | 0.00 | 58330.08 | Verified | Field value reflects source document |
| xxxxxx | 854498 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852415 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852415 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852415 | xxxxxx |  |  | Cash From Borrower | 0.00 | 225650.00 | Verified | Field value reflects source document |
| xxxxxx | 852415 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 21.99 | 26.24251 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 852415 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852486 | xxxxxx |  |  | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 852486 | xxxxxx |  |  | Representative FICO | 784 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 852486 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 852486 | xxxxxx |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 853554 | xxxxxx |  |  | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 853741 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853741 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853733 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 853733 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853733 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 853733 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.58 | 0.79 | Verified | Approval and Rate Lock reflect No Ratio file. |
| xxxxxx | 853734 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 853734 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853734 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853734 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.53 | 0.65 | Verified | Market Rent Qualified income considered as $3,875 and Taxes insurance added along with HOA due for DSCR calculation. |
| xxxxxx | 852709 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854713 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854713 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.75 | 0.64 | Verified | Field value reflects source document |
| xxxxxx | 855212 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855681 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 855681 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853743 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853743 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 855707 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855218 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 855218 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.44 | 1.80 | Verified | DSCR=$5,400/$2,983.52=1.44 |
| xxxxxx | 855197 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855197 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854700 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 854700 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 854700 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 855199 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 855199 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Unable to verify due to missing information |
| xxxxxx | 855199 | xxxxxx |  |  | Representative FICO | 680 |  |  |  |
| xxxxxx | 855199 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Unable to verify due to missing information |
| xxxxxx | 854696 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 854696 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854696 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 854696 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 854696 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854696 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.92 | 0.98 | Verified | Field value reflects source document |
| xxxxxx | 855684 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855684 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| xxxxxx | 855684 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 855684 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 855684 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855714 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855714 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855714 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.97 | 0.89 | Verified | Rent is $2,700.00, Monthly PITIA $3003.74. DSCR= 0.89 |
| xxxxxx | 855701 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855700 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 855700 | xxxxxx |  |  | # of Units | 335 | 1 | Verified | Field value reflects source document |
| xxxxxx | 855700 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853788 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853788 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 853793 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853793 | xxxxxx |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 856473 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856473 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856476 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 856493 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856493 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856472 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854398 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Borrower is Business Entity |
| xxxxxx | 854425 | xxxxxx |  |  | Original LTV | 73.37 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 856481 | xxxxxx |  |  | Original LTV | 41.24 | 66.66667 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 853791 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853791 | xxxxxx |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 855709 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855709 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 855709 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.83 | 0.86 | Verified | Field value reflects source document |
| xxxxxx | 857102 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857102 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.95 | 0.77 | Verified | Using AirDNA market rents |
| xxxxxx | 857090 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855682 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855682 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 855682 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857091 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857091 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857132 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857132 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855694 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.76 | 0.75 | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 857093 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857093 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857123 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857123 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.91 | 0.89 | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 857086 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857086 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854693 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 32.104 | 40.72404 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 855695 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857110 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857110 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857129 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857129 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857085 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 857085 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857117 | xxxxxx |  |  | Representative FICO | 808 | 809 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 857117 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857601 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857601 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857601 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857601 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.79 | 0.98 | Verified | Due to HOA DSCR is not matching with approval. |
| xxxxxx | 857605 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857605 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857605 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.85 | 0.84 | Verified | DSCR Rounded Up |
| xxxxxx | 854705 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857113 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857111 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857111 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857119 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857119 | xxxxxx |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 857119 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 41.08 | 30.55488 | Verified | Calculated based on available documents |
| xxxxxx | 857119 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857116 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 28.822 | 22.49968 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 857116 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857639 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857126 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857126 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 857623 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857623 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857623 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857623 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.02 | 0.99 | Verified | Field value reflects source document |
| xxxxxx | 857635 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857635 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857635 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857635 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857635 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857619 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857619 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857619 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 857100 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857641 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 40.848 | 44.11126 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 857641 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857640 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857644 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 857643 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 46.601 | 40.08573 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 857648 | xxxxxx |  |  | Representative FICO | 774 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 857133 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857133 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857855 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856489 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856501 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856501 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856501 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.29 | 1.30 | Verified | Due to round off |
| xxxxxx | 856500 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856500 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.37 | 1.38 | Verified | Due To Rounded Value |
| xxxxxx | 856461 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856461 | xxxxxx |  |  | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 856461 | xxxxxx |  |  | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 857843 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857831 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857835 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856425 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856460 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857848 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857848 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857848 | xxxxxx |  |  | Contract Sales Price | 0.00 | xxxxxx | Verified | Refinance |
| xxxxxx | 857819 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857819 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857817 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857817 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857817 | xxxxxx |  |  | Contract Sales Price | 0.00 | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 857817 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.56 | 0.57 | Verified | Field value reflects source document |
| xxxxxx | 857818 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857821 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857821 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857846 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857846 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857846 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.21 | Verified | Using short term market rent from 1007. Rent is listed as $2500.00 weekly. $2500.00\*52/12=$10833.33x0.70=$7583.33 |
| xxxxxx | 857850 | xxxxxx |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 857830 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856458 | xxxxxx |  |  | Original LTV | 77.74 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 856431 | xxxxxx |  |  | Original LTV | 78.96 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 856427 | xxxxxx |  |  | Original LTV | 75.55 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 856442 | xxxxxx |  |  | Representative FICO | 820 | 774 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 856449 | xxxxxx |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 856452 | xxxxxx |  |  | Original LTV | 67.05 | 69.51364 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 857647 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857647 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857647 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857645 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857645 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857632 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857632 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857628 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857628 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857628 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 857628 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.85 | 0.82 | Verified | Field value reflects source document |
| xxxxxx | 854204 | xxxxxx |  |  | Representative FICO | 723 | 735 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 854204 | xxxxxx |  |  | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 854204 | xxxxxx |  |  | Investor: Qualifying Housing Ratio | 38.238 | 21.101 | Verified | Field value reflects source document |
| xxxxxx | 855715 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857122 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857642 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859174 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 859174 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859174 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 27.984 | 31.35227 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 859178 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859182 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859182 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859186 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 859186 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859186 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859184 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859193 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859193 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859194 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 859194 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Verified from security instrument document |
| xxxxxx | 859192 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859192 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 859198 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 859197 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857829 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857829 | xxxxxx |  |  | Original LTV | 68.91 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |

---

## Exhibit 99.3

**EXHIBIT 99.3**

**AMC EXCEPTION GRADES**

![](tm267306d1_exhibitimg001.jpg)

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 816365 | xxxxxx | 31219718 | xxxxxx | 07/31/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - xxxxxx | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | The final Closing Disclosure did not provide the taxes and insurance information. |  | Reviewer Comment (2024-08-09): SitusAMC received Letter of explanation and Corrected Closing disclosure.<br>Reviewer Comment (2024-08-05): SitusAMC received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure. |  | 08/09/2024 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 816365 | xxxxxx | 31219720 | xxxxxx | 07/31/2024 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $865.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  | Reviewer Comment (2024-07-26): Sufficient Cure Provided At Closing |  | 07/26/2024 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 816365 | xxxxxx | 31219728 | xxxxxx | 07/31/2024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | The final Closing Disclosure did not provide the taxes and insurance information. |  | Reviewer Comment (2024-08-09): SitusAMC received Letter of explanation and Corrected Closing disclosure.<br>Reviewer Comment (2024-08-05): SitusAMC received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure. |  | 08/09/2024 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 816365 | xxxxxx | 31225268 | xxxxxx | 07/31/2024 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | The fraud report reflects there is a mortgage associated with the property located on xxxxxx in the amount of xxxxxx and the file does not contain documentation to verify paid off. |  | Reviewer Comment (2024-08-26): Property profile report provided along with Fraud report does not reflect lien is in borrower's name. | 08/26/2024 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 816365 | xxxxxx | 31225269 | xxxxxx | 07/31/2024 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | The fraud report reflects there is a mortgage associated with the property located on xxxxxx in the amount of xxxxxx and the file does not contain documentation to verify paid off. |  | Reviewer Comment (2024-08-26): Property profile report and fraud report reflect lien is not in borrower's name. | 08/26/2024 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 816365 | xxxxxx | 31225725 | xxxxxx | 07/31/2024 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxxxx , Most Recent Tax Return End Date xxxxxx , Tax Return Due Date xxxxxx . (xxxxxx/Partnership) | The file contains the business returns for 2022 and 2021. The most recent return should be 2023, which was not provided. |  | Reviewer Comment (2024-07-29): Client elects to waive |  |  | 07/29/2024 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 816365 | xxxxxx | 31502796 | xxxxxx | 08/26/2024 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $177.00 exceeds tolerance of $78.00 plus 10% or $85.80. Sufficient or excess cure was provided to the borrower. xxxxxx |  |  | Reviewer Comment (2024-08-26): Sufficient Cure Provided within 60 Days of Closing |  | 08/26/2024 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 816365 | xxxxxx | 31502797 | xxxxxx | 08/26/2024 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $865.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower. (7506) |  |  | Reviewer Comment (2024-08-26): Sufficient Cure Provided within 60 Days of Closing |  | 08/26/2024 |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 837568 | xxxxxx | 34404602 | xxxxxx | 09/16/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | There is a discrepancy between the Note address that shows city name of xxxxxx compared to xxxxxx on Appraisal and CU. |  | Reviewer Comment (2025-10-30): A corrected Note and LOE with proof of delivery were provided. | 10/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837568 | xxxxxx | 34450580 | xxxxxx | 09/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: There is a discrepancy between the Note address that shows city name of xxxxxx compared to xxxxxx on Title |  | Reviewer Comment (2025-10-30): A corrected Note was provided | 10/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837568 | xxxxxx | 34855432 | xxxxxx | 10/30/2025 | Credit | System | General | System | Security Instrument address does not match Note address. |  | Please provide an updated Deed of Trust, Letter of Intent to re-record. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-11-17): Client elects to waive with verified compensation factors |  |  | 11/17/2025 | 2 B |  | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837568 | xxxxxx | 34993942 | xxxxxx | 11/17/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  |  |  | Reviewer Comment (2025-11-19): Updated HOI provided | 11/19/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837568 | xxxxxx | 34993943 | xxxxxx | 11/17/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  |  |  | Reviewer Comment (2025-12-05): Updated flood certificate with correct city name provided, exception cleared. | 12/05/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839677 | xxxxxx | 34089555 | xxxxxx | 08/04/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-08-05): FTP provided | 08/05/2025 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34089562 | xxxxxx | 08/04/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-08-05): FTP provided | 08/05/2025 |  |  | 1 B A | N/A | N/A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135143 | xxxxxx | 08/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Address: Unit xxxxxx vs xxxxxx. |  | Reviewer Comment (2025-08-05): FTP provided | 08/05/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135162 | xxxxxx | 08/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 2024 tax returns are not signed and rental income used to qualify. |  | Reviewer Comment (2025-08-05): Signed and dated returns provided | 08/05/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135200 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Initial and final 1003, dec page, reflects intent to occupy |  | Reviewer Comment (2025-08-04): Client elects to waive. The file contains an Occupancy Affidavit confirming the subject property is an investment property. The loan is documented as a Full Doc loan, including tax returns and Schedule E reflecting income from the subject property, along with canceled checks evidencing receipt of rental payments. The appraisal further confirms the property is tenant occupied. Additionally, the mortgage statement for the subject property reflects the borrower's xxxxxx address rather than the subject property address. |  |  | 08/04/2025 | 2 B | N/A | N/A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135203 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $126.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | COC does not give sufficient information as to why a desk review is required |  | Reviewer Comment (2025-08-13): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/13/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135206 | xxxxxx | 08/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $392.67 exceeds tolerance of $350.00. Insufficient or no cure was provided to the borrower. (75215) | The initial app disclosed property was a xxxxxx, therefore HOA cert should have been known to be required. |  | Reviewer Comment (2025-08-13): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/13/2025 |  | 2 C B | N/A | N/A C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839677 | xxxxxx | 34135747 | xxxxxx | 08/04/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A third-party VOR is required for any file when the borrower is currently renting. |  | Reviewer Comment (2025-08-20): Received Verification of Rent. Exception cleared.<br>Reviewer Comment (2025-08-19): Received VOR for property address xxxxxx. Provide VOR for property address xxxxxx. Exception remains.<br>Reviewer Comment (2025-08-15): No new document was uploaded into clarity, please try uploading the document again. Exception remains.<br>Reviewer Comment (2025-08-07): Received cancelled checks, however the document requested is for a VOR. Exception remains.<br>Reviewer Comment (2025-08-06): Received cancelled checks, however the document requested is for VOR for borrower's current primary property. Exception remains. | 08/20/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | C | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 842918 | xxxxxx | 34938126 | xxxxxx | 11/13/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-12-05): Final Title provided, exception cleared. | 12/05/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842918 | xxxxxx | 34954350 | xxxxxx | 11/13/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The color appraisal was not provided. Provide the color appraisal (one in file is black and white). |  | Reviewer Comment (2025-11-17): Color appraisal provided | 11/17/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842918 | xxxxxx | 34954381 | xxxxxx | 11/13/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence is free and clear. |  | Reviewer Comment (2025-12-05): Housing history for primary verified on credit report, exception cleared. | 12/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842918 | xxxxxx | 34954435 | xxxxxx | 11/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: City does not match |  | Reviewer Comment (2025-12-05): Final title provided with city that matches Note. Exception cleared.<br>Reviewer Comment (2025-11-19): The correct and incorrect title policies are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title with updates).<br>Reviewer Comment (2025-11-19): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-11-18): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-11-17): No new documents received for this condition. Please try uploading again. | 12/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843272 | xxxxxx | 34358566 | xxxxxx | 07/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing 12 month housing history for primary residence. |  | Reviewer Comment (2025-07-31): Cleared with credit supplement. | 07/31/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843272 | xxxxxx | 34358567 | xxxxxx | 07/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Collections & judgments required to be paid with balances over $xxxxxx. Judgments reflected on fraud report balances of $xxxxxx, $xxxxxx, $xxxxxx, $xxxxxx, and $xxxxxx did not have proof of satisfaction and were not paid at closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines. <br> The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-08-28): Waived with compensating factors per lender exception approval at origination.<br>Reviewer Comment (2025-08-22): Exception needs to address both tax liens and judgments from title and from Fraud report.<br>Reviewer Comment (2025-08-11): The documents do not verify all judgments were paid.<br>Reviewer Comment (2025-07-21): Please provide complete email chain between title and lender to determine which judgments they are referencing in their numbered list. Also, it appears these are personal judgments and not business related, and personal debt cannot be paid through business purpose loans. |  |  | 08/28/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843272 | xxxxxx | 34358568 | xxxxxx | 07/16/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: xxxxxx, Credit Report: Original // Public Record Type: Judgments / Balance: xxxxxx, Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx, Credit Report: Original // Public Record Type: Judgments / Balance: xxxxxx, Credit Report: Original // Public Record Type: Judgments / Balance: xxxxxx. | Judgments are required to be paid prior to or at closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-08-28): Waived with compensating factors per lender exception approval at origination.<br>Reviewer Comment (2025-08-22): Exception needs to address both tax liens and judgments from title and from Fraud report.<br>Reviewer Comment (2025-07-21): Please provide complete email chain between title and lender to determine which judgments they are referencing in their numbered list. Also, it appears these are personal judgments and not business related, and personal debt cannot be paid through business purpose loans. |  |  | 08/28/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34449597 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-09-23): Received Filed Articles of Organization. Exception cleared. | 09/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34449598 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2025-09-24): Received Corporate Resolution. Exception cleared. | 09/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34449599 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  | Reviewer Comment (2025-09-23): Received EIN. Exception cleared. | 09/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34449600 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-09-23): Received Operating Agreement. Exception cleared. | 09/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34449606 | xxxxxx | 09/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed Guarantor Agreement but credit documents is not in file for this individual (i.e. application, credit report, VOM, fraud report, ID, etc) |  | Reviewer Comment (2025-11-07): Loan was re-closed removing xxxxxx. Credit documents not required. | 11/07/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34450106 | xxxxxx | 09/19/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: xxxxxx, Credit Report: Original // Public Record Type: Judgments / Balance: xxxxxx. | Investor exception for judgments on xxxxxx, not on title. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-09-19): Client elects to waive with verified compensation factors |  |  | 09/19/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34451548 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guaranty Agreement was not signed individually by either guarantor. |  | Reviewer Comment (2025-11-07): Loan re-closed xxxxxx Updated GA provided removing xxxxxx and signed as individually. | 11/07/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34499618 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Cert of Good Standing in file is > 120 days old |  | Reviewer Comment (2025-10-03): Updated COGS provided<br>Reviewer Comment (2025-09-23): Received Certificate of Status is dated xxxxxx that is dated more than 120 days old. Provide Certificate of Good Standing dated within 120 days of the Note date. Exception remains. | 10/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34934389 | xxxxxx | 11/07/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided |  | Loan re-closed removing 1 Guarantor. DOT now reflects a PPP rider added. Provide the PPP rider with updated terms that matches the new Note PPP addendum. |  | Reviewer Comment (2025-11-10): PPP rider provided | 11/10/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34934401 | xxxxxx | 11/07/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Loan reclosed xxxxxx removing 1 Guarantor. New business loan rider provided. Page 3 was not provided (signature page). |  | Reviewer Comment (2025-11-10): All pages of business loan rider provided | 11/10/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34934427 | xxxxxx | 11/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the updated final stamped settlement statement updating disbursement date. Loan re-closed on xxxxxx removing 1 Guarantor. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-11-18): Client elects to waive with verified compensation factors |  |  | 11/18/2025 | 2 B |  | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845842 | xxxxxx | 34934429 | xxxxxx | 11/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | New Note and PPP addendum provided with updated terms. Provide the LOE to borrower and evidence of delivery to the borrower. |  | Reviewer Comment (2025-11-18): Mailing label provided which reflects in transit.<br>Reviewer Comment (2025-11-14): Received LOE to borrower. Pending receipt of evidence of delivery to the borrower.<br>Reviewer Comment (2025-11-10): The LOE does not indicate why loan needed to re-close nor was evidence of delivery provided | 11/18/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846161 | xxxxxx | 34753322 | xxxxxx | 10/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal transfer letter not located in file. Primary Appraisal (not used for LTV) issued by xxxxxx, with a report date of xxxxxx reflects the Lender as xxxxxx. |  | Reviewer Comment (2025-11-06): Evidence provided xxxxxx is the broker for xxxxxx.<br>Reviewer Comment (2025-11-04): The transfer letter provided is to xxxxxx | 11/06/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847863 | xxxxxx | 34773994 | xxxxxx | 10/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final Application shows Current address xxxxxx, as Primary residence , but in Section 3-(xxxxxx.Property You Own) the same property is declared as Investment property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-10-28): Client elects to waive with verified compensation factors |  |  | 10/28/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848078 | xxxxxx | 34545452 | xxxxxx | 06/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Background Check was not provided for the borrowing entity. |  | Reviewer Comment (2025-07-19): Received background check for borrowing entity<br>Reviewer Comment (2025-07-12): Document uploaded states it is for xxxxxx, which is not our borrowing entity.<br>Reviewer Comment (2025-06-30): Background report provided is not for our borrowing entity. | 07/19/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848078 | xxxxxx | 34545453 | xxxxxx | 06/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Only borrowers with valid social security numbers are eligible. Borrower did not provide a social security number. Ineligible Borrower. |  | Reviewer Comment (2025-06-30): Received evidence of SSN in trailing docs. | 06/30/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848187 | xxxxxx | 34449141 | xxxxxx | 09/19/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for subject property history is not reflecting in credit report. Payoff provided. Provide the 12 month housing history (depending on what is provided, borrower 6 month pay history will be required) and a copy of the Note or mortgage statement. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-11-14): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-11): Received Pay history from the creditor/servicer. However the document requested is for the borrower 6 month pay history. Exception remains.<br>Reviewer Comment (2025-10-24): Received Mortgage Statement. Provide borrower's 6 month pay history via cancelled checks / bank statements as required per guidelines for the subject property. Exception remains.<br>Reviewer Comment (2025-09-25): Received the pay history for the lien being paid off through closing on subject property and releases for liens on title that do not belong to the borrower. Pending receipt of most recent mortgage statement or copy of the Note and borrower's 6 month pay history via cancelled checks / bank statements as required per guidelines for the subject property.<br>Reviewer Comment (2025-09-23): The reconveyance does not clear this condition. The lien being paid off at closing with xxxxxx for xxxxxx requires a mortgage history. |  |  | 11/14/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848187 | xxxxxx | 34499489 | xxxxxx | 09/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The LOE from the borrower states he intents to utilize the subject property as his primary owner occupied residence an on investment DSCR transaction. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-09-23): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-23): Updated LOE provided. Assigned to investor if they are accepting the revised LOE. |  |  | 09/23/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848187 | xxxxxx | 34499512 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | The title is not vested in the borrower. Deed vesting to item #7 which is a deed from xxxxxx to our borrower dated xxxxxx. Provide the deed transferring property to the borrower at that time. |  | Reviewer Comment (2025-09-24): Received deed transferring property to borrower. Exception cleared.<br>Reviewer Comment (2025-09-23): Received Title supplement reflects change in current vesting, however, provide Deed vesting to item #7 which is a deed from xxxxxx to our borrower dated xxxxxx. Exception remains. | 09/24/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848187 | xxxxxx | 34499518 | xxxxxx | 09/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Multiple liens on title that were not paid off. |  | Reviewer Comment (2025-09-23): Reconveyances provided. | 09/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848648 | xxxxxx | 34651195 | xxxxxx | 10/07/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2025-11-04): Endorsement provided to be added to pre-close policy effective post close which client allows. | 11/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848680 | xxxxxx | 34656342 | xxxxxx | 10/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, sellers, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-10-23): Received GSA/LDP search for the sellers. Exception cleared.<br>Reviewer Comment (2025-10-21): Received OFAC search. Provide HUD/LDP/GSA search for sellers, xxxxxx. Exception remains.<br>Reviewer Comment (2025-10-16): Received clearance report. However fraud and OFAC search not run on the seller, xxxxxx. Exception remains. | 10/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 848680 | xxxxxx | 34656625 | xxxxxx | 10/10/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | The borrower doss not meet the minimum 12 months reserves for an escrow waiver. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-11-05): Client elects to waive with verified compensation factors |  |  | 11/05/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 848680 | xxxxxx | 34656632 | xxxxxx | 10/10/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-23): Received confirmation from title confirming title policy coverage. Exception cleared.<br>Reviewer Comment (2025-10-16): Received Preliminary title policy that does not have the coverage amount. Exception remains. | 10/23/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 848680 | xxxxxx | 34656636 | xxxxxx | 10/10/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-10-27): Received Secondary Appraisal xxxxxx Form 71A. Exception cleared.<br>Reviewer Comment (2025-10-21): Received Certificate of Non-Influence and Dodd-Frank Compliance and Reconsideration of Value. However, BPO was not provided. Exception remains.<br>Reviewer Comment (2025-10-16): Received commercial appraisal that was already provided at the time of review. Provide secondary Apprisal. Exception remains. | 10/27/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 848711 | xxxxxx | 34679318 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | OA in file is not executed. |  | Reviewer Comment (2025-11-11): Received Borrowing Certificate. Exception cleared.<br>Reviewer Comment (2025-11-03): Received Corporate Resolution which was already in file. Provide executed Operating Agreement. Exception remains. | 11/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848711 | xxxxxx | 34723799 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | COGS is > 120 days old. |  | Reviewer Comment (2025-11-03): Received Certificate of Good Standing. Exception cleared. | 11/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848992 | xxxxxx | 34581782 | xxxxxx | 10/01/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-10-24): CDA received<br>Reviewer Comment (2025-10-21): CDA will be ordered | 10/24/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A D | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848992 | xxxxxx | 34777406 | xxxxxx | 10/22/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  | Reviewer Comment (2025-10-24): CDA received<br>Reviewer Comment (2025-10-24): Valuation Received - xxxxxx  | 10/24/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A D | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849131 | xxxxxx | 34945363 | xxxxxx | 11/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 2.6 and xxxxxx CU 1.5. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-11-18): Received CDA. Exception cleared. | 11/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849224 | xxxxxx | 34979395 | xxxxxx | 11/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-11-20): Received Fraud and OFAC search run on authorized signor for the seller, xxxxxx. Exception cleared. | 11/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849238 | xxxxxx | 34655046 | xxxxxx | 10/09/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Foreign National max for STR C/O refinance. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-10-16): Client elects to waive with verified compensation factors |  |  | 10/16/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849238 | xxxxxx | 34655049 | xxxxxx | 10/09/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $396,106.66 is greater than Guideline total cash-out of $300,000.00. | Foreign National max for C/O. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-10-16): Client elects to waive with verified compensation factors |  |  | 10/16/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849238 | xxxxxx | 34676602 | xxxxxx | 10/09/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Short-term rental (STR) analysis form or 1007/1025 may be used. The analysis must include the following:<br> ▪ Include daily rental rate and occupancy percentage.<br> The above was not included on the 1007. Actual figures must be provided. |  | Reviewer Comment (2025-12-17): Updated 1007 received reflecting daily rate and occupancy percentages.<br>Reviewer Comment (2025-12-09): The appraisal 1007 is identical to the one that was already in the loan file. Exception remains.<br>Reviewer Comment (2025-10-21): The daily rental and occupancy rates were not provided for the subject property, only comparables. | 12/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849260 | xxxxxx | 34794818 | xxxxxx | 10/30/2025 | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | Credit Report: Original // Borrower: xxxxxx Borrower has 1 Active Tradelines which is less than the minimum required by guidelines. | Investor Approval in file for exception of minimum tradeline requirement not met as borrower is living in xxxxxx with a R-E2 work visa. Seek exception to tradelines for this borrower in the xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-10-29): The client elects to waive. |  |  | 10/29/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849260 | xxxxxx | 34794929 | xxxxxx | 10/30/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $1,783.00 does not match Calculated P&I of $1,526.39 | P&I provided on note is $1,783 which is mismatching with the P&I calculated on clarity $1,526.39 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-10-29): The client elects to waive. |  |  | 10/29/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849282 | xxxxxx | 34808245 | xxxxxx | 10/31/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide document showing ownership percentage for xxxxxx |  | Reviewer Comment (2025-11-19): Evidence of access provided<br>Reviewer Comment (2025-11-18): No new document was uploaded into clarity. Please provide the document to verify the ownership percentage for xxxxxx. Exception remains.<br>Reviewer Comment (2025-11-07): Received document is for xxxxxx Provide document showing ownership percentage for xxxxxx. Exception remains. | 11/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849282 | xxxxxx | 34844678 | xxxxxx | 10/31/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance policy shows Street and Note has xxxxxx |  | Reviewer Comment (2025-11-19): Updated HOI provided | 11/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849629 | xxxxxx | 34735775 | xxxxxx | 10/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-11-05): Received Approval. Exception cleared. | 11/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849629 | xxxxxx | 34735778 | xxxxxx | 10/20/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement must signed as an individual VS. Business Entity by Guarantor | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-11-30): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-11-17): Received Guarantor Agreement is dated post-closing. The agreement must be dated prior to closing. Exception remains. |  |  | 11/30/2025 | 2 D B | D | B D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849629 | xxxxxx | 34735785 | xxxxxx | 10/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-11-07): Received Fraud and OFAC search for seller, xxxxxx. Exception cleared. | 11/07/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849680 | xxxxxx | 34915416 | xxxxxx | 11/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Please provide evidence of ownership and ownership % in xxxxxx |  | Reviewer Comment (2025-12-12): Signed and dated OA received.<br>Reviewer Comment (2025-11-14): Received Operating Agreement is not signed and dated by borrower. Provide executed copy of Operating Agreement. Exception remains. | 12/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849680 | xxxxxx | 34947930 | xxxxxx | 11/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence is free and clear. |  | Reviewer Comment (2025-11-14): Received Property History Report to verify primary property is free and clear. | 11/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849717 | xxxxxx | 34952578 | xxxxxx | 11/12/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.80 is less than Guideline PITIA months reserves of 3.00. | Per investor overlays for lender, minimum 3 months reserves for LTV of 75% or less. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-17): Client elect to waive with verified compensation factors<br>Reviewer Comment (2025-11-14): This is a xxxxxx Total cash back at closing is $200.14 (total cash less POCB fees). The guidelines do not say R/T cash back can be added to reserves. |  |  | 11/17/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850176 | xxxxxx | 34807788 | xxxxxx | 10/31/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-11-03): Received Business Purpose Certificate. Exception cleared. | 11/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850176 | xxxxxx | 34807789 | xxxxxx | 10/31/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  | Reviewer Comment (2025-11-03): Received Business Purpose Certificate. Exception cleared. | 11/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850176 | xxxxxx | 34835841 | xxxxxx | 10/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Occupancy certificate in file does not have Refinance only checked. |  | Reviewer Comment (2025-11-04): Updated occupancy cert provided | 11/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850176 | xxxxxx | 35005732 | xxxxxx | 11/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Received post-review, the PPP addendum to the Note, the updated DOT with executed PPP rider which reflects e-recorded, and PC-CD. 1) PC-CD reflects 3 year PPP and docs reflect 2 year. 2) Did not receive LOE to borrower and evidence of delivery to the borrower 3) As noted in the previous email, Verus will need to advise if they are requiring the Note to be updated with the PPP verbiage or if they are just accepting the PPP addendum to the Note. |  | Reviewer Comment (2025-12-05): Investor accepts the Note and the updated Prepayment Penalty rider provided. Exception cleared.<br>Reviewer Comment (2025-11-24): Received corrected and recorded DOT adding in a PPP rider, PPP addendum to the Note, LOE to borrower and evidence of delivery to the borrower (tracking reflects in transit). However, received PC-CD which reflects a 3 year PPP when addendum to Note and PPP rider reflect 2 years as well as investor still needs to advise if they are accepting the Note as-is or requiring the Note to reference the PPP addendum. | 12/05/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850178 | xxxxxx | 34915738 | xxxxxx | 11/07/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDA reflect Unit number vs. all other documents which do not. |  | Reviewer Comment (2025-11-18): Updated appraisal and CDA received. | 11/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850178 | xxxxxx | 34915744 | xxxxxx | 11/07/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The pictures for the subject property front, back and street view are missing. |  | Reviewer Comment (2026-01-07): Received appraisal with legible pictures in trailing docs.<br>Reviewer Comment (2025-12-19): The subject loan photos were not provided and on the full appraisal with all pages, the subject photo page and the interior photos are blank. Provide all pages of the appraisal with the images of the subject property and comparable sales. Exception remains.<br>Reviewer Comment (2025-11-30): The xxxxxx report date appraisal does not contain any photos for the subject property or the comparables. Please re-upload the xxxxxx report in its entirety, reflecting all photographs referenced.<br>Reviewer Comment (2025-11-24): Received appraisal dated xxxxxx which was already provided in which the interior photos are blank. Provide all missing pictures. Exception remains.<br>Reviewer Comment (2025-11-20): Received subject property front, back and street view pictures of appraisal dated xxxxxx . However, appraisal dated xxxxxx is missing all required pictures. Provide both appraisals with pictures. Exception remains.<br>Reviewer Comment (2025-11-18): Received Appraisal dated xxxxxx is missing all required pictures and the appraisal dated xxxxxx pictures for the subject property front, back and street view are missing. Provide both appraisals with pictures. Exception remains. | 01/07/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850325 | xxxxxx | 34781828 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal Consent Form is Missing. |  | Reviewer Comment (2025-10-20): NA for transaction | 10/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850422 | xxxxxx | 34937861 | xxxxxx | 11/12/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | As per Property history report (D0094) and letter of explanation (D0412) borrower owns the xxxxxx as the primary property, however 1003 reflects primary property as No Primary housing. |  | Reviewer Comment (2025-11-24): Received corrected 1003. Exception cleared.<br>Reviewer Comment (2025-11-19): The 1003 still reflects on page 1 no primary housing expense. | 11/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850422 | xxxxxx | 34954027 | xxxxxx | 11/12/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary property is free and clear. Property profile report reflects 2 liens not released that do not appear on credit. |  | Reviewer Comment (2025-11-14): Received Property History Report to verify property is free and clear. Exception cleared. | 11/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850455 | xxxxxx | 34895256 | xxxxxx | 11/10/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: Unit number not reflected |  | Reviewer Comment (2025-12-01): Updated CDA received | 12/01/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850498 | xxxxxx | 34946676 | xxxxxx | 11/13/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-11-21): Received Title Final. Exception cleared. | 11/21/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850498 | xxxxxx | 34946681 | xxxxxx | 11/13/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-11-21): Received Title Final. Exception cleared. | 11/21/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850852 | xxxxxx | 34788508 | xxxxxx | 10/29/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Status not provided |  | Permanent Resident Alien card required |  | Reviewer Comment (2025-11-04): Per resident card provided | 11/04/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850852 | xxxxxx | 34788573 | xxxxxx | 10/29/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | HUD-1 available in file is missing Earnest money deposit and Closing disclosure disbursement date is before note date . Provide final document showing disbursement date of xxxxxx (HUD-1, CD , Closing statement) |  | Reviewer Comment (2025-12-05): Received updated HUD1<br>Reviewer Comment (2025-11-14): The same HUD that was previously provided was provided again altered as the font does not match the rest of the document adding in the EMD. Provide evidence this was done by the title company. The final settlement statement still reflects a disbursement date prior to loan consummation for xxxxxx vs xxxxxx <br>Reviewer Comment (2025-11-07): An unsigned HUD is not acceptable. Please review comments from xxxxxx HUD-1 would reflect the EMD. The final settlement statement trumps the HUD. Settlement statement reflects the EMD, however the settlement date is xxxxxx which is prior to the loan consummation. Loan consummation is xxxxxx .<br>Reviewer Comment (2025-11-04): A HUD-1 would reflect the EMD. The final settlement statement trumps the HUD. Settlement statement reflects the EMD, however the settlement date is xxxxxx which is prior to the loan consummation. Loan consummation is xxxxxx . | 12/05/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850852 | xxxxxx | 34892153 | xxxxxx | 11/04/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx |  |  | Reviewer Comment (2025-11-14): Received Spousal Consent Form. Exception cleared. | 11/14/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850895 | xxxxxx | 34946199 | xxxxxx | 11/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-11-20): Received Fraud and OFAC search run on seller, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-11-19): No new documents were uploaded into clarity. Please try to upload again. Exception remains. | 11/20/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850895 | xxxxxx | 34946215 | xxxxxx | 11/13/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  | Reviewer Comment (2025-11-19): Updated HOI provided<br>Reviewer Comment (2025-11-19): No new documents were uploaded into clarity. Please try to upload again. Exception remains. | 11/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851060 | xxxxxx | 34947166 | xxxxxx | 11/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception in file: Borrower needs to take over the mortgage of another person who passed away and who was hospitalized since xxxxxx, causing late payments between xxxxxx. Death certificate is provided in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851060 | xxxxxx | 34947174 | xxxxxx | 11/14/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Address on Hazard individual policy: City does not match |  | Reviewer Comment (2025-11-19): Received corrected Hazard individual policy. Exception cleared. | 11/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851060 | xxxxxx | 34986677 | xxxxxx | 11/14/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI follows xxxxxx requirements which requires 80% coverage of the insured value. Shortfall is $2,928.00. RCE not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-12-09): Waived with compensating factors.<br>Reviewer Comment (2025-11-18): Condition cannot be waived. Coverage of the loan amount is not acceptable per guidelines and guidelines state requirement follow xxxxxx which requires 80% coverage of the insured value. Provide the RCE. |  |  | 12/09/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851440 | xxxxxx | 34865292 | xxxxxx | 11/05/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-11-20): Received supplement report reflecting the coverage amount. Exception cleared.<br>Reviewer Comment (2025-11-19): No new documents were uploaded into clarity. Please try to upload again. Exception remains. | 11/20/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851473 | xxxxxx | 34808023 | xxxxxx | 10/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx, and seller, xxxxxx. |  | Reviewer Comment (2025-11-12): Received updated Fraud Report. Fraud and OFAC search run on the settlement agent and seller. Exception cleared. | 11/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851535 | xxxxxx | 34956565 | xxxxxx | 11/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The signed Guarantor Agreement in file is executed by both xxxxxx, however xxxxxx is only listed on page 1 as a Guarantor. Provide the updated Guarantor Agreement executed at closing. |  | Reviewer Comment (2025-11-24): Received updated Guarantor Agreement executed at closing. Exception cleared.<br>Reviewer Comment (2025-11-21): Requested document was not uploaded on clarity. Provide the document as requested on the original condition. Exception remains. | 11/24/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851535 | xxxxxx | 34956693 | xxxxxx | 11/14/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-11-30): Waived with compensating factors per investor direction. |  |  | 11/30/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851714 | xxxxxx | 34927758 | xxxxxx | 11/12/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx |  |  | Reviewer Comment (2025-12-09): Consent of Spouse provided, exception cleared.<br>Reviewer Comment (2025-11-17): Marital affidavit is not acceptable. Spousal consent is required per guidelines. | 12/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851714 | xxxxxx | 34952997 | xxxxxx | 11/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Borrowing Entity is owned 100% by Direct Trust Company xxxxxx. Provide the supporting documentation to support borrower is 100% owner. |  | Reviewer Comment (2025-12-11): Section 4.2 reflects managing member is our guarantor.<br>Reviewer Comment (2025-11-25): Received Operating Agreement on which page 5 Article 2 : Members 2.1 Identification section - Member name is edited. The font should be same throughout the document. Kindly provide updated operating agreement. Exception remains.<br>Reviewer Comment (2025-11-21): Received Operating Agreement which is an altered document. The font is not same throughout the document. Kindly provide updated operating agreement. Exception remains. | 12/11/2025 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852397 | xxxxxx | 35118412 | xxxxxx | 12/01/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-12-18): Rate lock provided, exception cleared. | 12/18/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852397 | xxxxxx | 35118413 | xxxxxx | 12/01/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML) xxxxxx Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | xxxxxx Higher-Priced Loan: APR on subject loan of 7.76012% or Final Disclosure APR of 7.80800% is equal to or greater than the threshold of APOR 6.16% + 1.5%, or 7.66000%. Compliant Higher Priced Loan. |  |  | Reviewer Comment (2025-12-18): Rate lock provided, exception cleared. | 12/18/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows:<br>Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852397 | xxxxxx | 35118591 | xxxxxx | 12/01/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.27 is less than Guideline PITIA months reserves of 4.00. |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-01-05): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-12-31): Updated closing statement does not reflect sufficient funds for reserves.<br>Reviewer Comment (2025-12-31): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 2.07 is less than Guideline PITIA months reserves of 4.00.<br>Reviewer Comment (2025-12-18): No additional asset documentation was provided and the borrower only has 2 months reserves verified. Please confirmed the waiver request is for the exception to be waived and regraded. |  |  | 01/05/2026 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852397 | xxxxxx | 35118604 | xxxxxx | 12/01/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  | Reviewer Comment (2026-01-08): Lender exception granted for reserves, exception cleared.<br>Reviewer Comment (2025-12-31): Updated closing statement does not reflect sufficient funds for reserves.Exception remains.<br>Reviewer Comment (2025-12-18): No additional asset documentation was provided and the borrower only has 2 months reserves verified. Please confirm the waiver request for the guideline exception for reserves prior to review of the ATR exceptions. | 01/08/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852397 | xxxxxx | 35128920 | xxxxxx | 12/01/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reserve requirement was not met. |  | Reviewer Comment (2026-01-08): Lender exception granted for reserves, exception cleared.<br>Reviewer Comment (2025-12-31): Updated closing statement does not reflect sufficient funds for reserves.Exception remains.<br>Reviewer Comment (2025-12-18): No additional asset documentation was provided and the borrower only has 2 months reserves verified. Please confirm the waiver request for the guideline exception for reserves prior to review of the ATR exceptions. | 01/08/2026 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852397 | xxxxxx | 35128923 | xxxxxx | 12/01/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-12-18): Supplement report provided with coverage, exception cleared. | 12/18/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852397 | xxxxxx | 35128949 | xxxxxx | 12/01/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. | Escrow impound for taxes and insurance are required for HPML loans. |  | Reviewer Comment (2025-12-18): Rate lock provided, exception cleared. | 12/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852397 | xxxxxx | 35128950 | xxxxxx | 12/01/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.76012% or Final Disclosure APR of 7.80800% is equal to or greater than the threshold of APOR 6.16% + 1.5%, or 7.66000%. Non-Compliant Higher Priced Mortgage Loan. |  |  | Reviewer Comment (2025-12-18): Rate lock provided, exception cleared. | 12/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852397 | xxxxxx | 35129261 | xxxxxx | 12/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing the 12 month mortgage history for property located on xxxxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2026-01-14): Waived with compensating factors.<br>Reviewer Comment (2026-01-08): The final closing statement provided shows an existing lien was paid off at closing. The file is missing a 12 month mortgage history for the lien paid off. Exception remains.<br>Reviewer Comment (2025-12-31): Condition is not in relation to reserves. 12 month VOM for REO on xxxxxx is required.<br>Reviewer Comment (2025-12-18): The file is still missing the mortgage payment history for the loan that was paid off in the cash out refinance documented on the Closing Statement dated xxxxxx . The property history report for xxxxxx shows a loan obtained in xxxxxx with an original loan amount of xxxxxx. Exception remains. |  |  | 01/14/2026 | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852397 | xxxxxx | 35129274 | xxxxxx | 12/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement |  |  | Reviewer Comment (2025-12-18): Note from recent refinance provided to verify new terms of loan for REO property. Exception cleared. | 12/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx | 35073286 | xxxxxx | 11/26/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  | Reviewer Comment (2025-12-18): 1008 provided with underwriter name, exception cleared. | 12/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx | 35073396 | xxxxxx | 11/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  | Reviewer Comment (2025-12-18): Revised appraisal with corrected effective date provided to verify no damage to the property. Exception cleared. | 12/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx | 35073599 | xxxxxx | 11/26/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal effective date of xxxxxx is more than 120 days prior to the Note date. |  | Reviewer Comment (2025-12-18): Revised appraisal with corrected effective date provided. Exception cleared. | 12/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx | 35073942 | xxxxxx | 11/26/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-12-18): Rate lock provided, exception cleared. | 12/18/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx | 35074803 | xxxxxx | 11/26/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (2025-12-18): Letter of explanation provided to borrower, signed and dated RTC form on correct form with new rescission period now expired. Exception cured. |  | 12/18/2025 |  | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx | 35074850 | xxxxxx | 11/26/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income/employment documentation. |  | Reviewer Comment (2025-12-18): All documentation now reflects LLC, exception cleared. | 12/18/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx | 35093413 | xxxxxx | 11/26/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | 1) Third party document for the Business entity reflects the business is suspended. 2) Borrowers LOE for no business license references business name as Inc, vs LLC. Lenders' VVOE references business name as Inc and references the SOS printout (which shows LLC). CPA's letter and P&L all show LLC. |  | Reviewer Comment (2025-12-18): All documentation now reflects LLC, exception cleared. | 12/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx | 35093431 | xxxxxx | 11/26/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | 1) Third party document for the Business entity reflects the business is suspended. 2) Borrowers LOE for no business license references business name as Inc, vs LLC. Lenders' VVOE references business name as Inc and references the SOS printout (which shows LLC). CPA's letter and P&L all show LLC. |  | Reviewer Comment (2025-12-18): All documentation now reflects LLC, exception cleared. | 12/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx | 35093496 | xxxxxx | 11/26/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR Risk. 1) Third party document for the Business entity reflects the business is suspended. 2) Borrowers LOE for no business license references business name as Inc, vs LLC. Lenders' VVOE references business name as Inc and references the SOS printout (which shows LLC). CPA's letter and P&L all show LLC. |  | Reviewer Comment (2025-12-18): All documentation now reflects LLC, exception cleared. | 12/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx | 35263599 | xxxxxx | 12/18/2025 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Based on the corrected effective date on the appraisal, the effective date on the CDA does not match, which still reflects xxxxxx . |  | Reviewer Comment (2026-01-05): Updated CDA received in trailing docs reflecting correct effective date. | 01/05/2026 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852415 | xxxxxx | 35131305 | xxxxxx | 12/03/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing Verification of mortgage from xxxxxx in borrower's departing primary residence. |  | Reviewer Comment (2026-01-26): Updated credit report provided with complete housing payment history, exception cleared.<br>Reviewer Comment (2025-12-18): The mortgage statement only covers one payment for xxxxxx. A complete 12 month payment history for the mortgage on the departing residence is required. Exception remains. | 01/26/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852415 | xxxxxx | 35136178 | xxxxxx | 12/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Credit refresh is required no more than 10 days prior to loan closing or at any time after closing. Any new debt must be included in determining the DTI ratio. |  | Reviewer Comment (2025-12-18): Comparison report provided, exception cleared. | 12/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852415 | xxxxxx | 35136407 | xxxxxx | 12/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for xxxxxx Guaranty Fee. Fee Amount of $4.00 exceeds tolerance of $2.00. $2.00 over legal limit. Insufficient or no cure was provided to the borrower. (77222) | No valid COC was provided. |  | Reviewer Comment (2025-12-12): SitusAMC received COC dated xxxxxx . | 12/12/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35132172 | xxxxxx | 12/03/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $24,286.22. | Asset document missing in loan file to verify the closing. |  | Reviewer Comment (2025-12-26): Additional assets received in trailing documents. | 12/26/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35132538 | xxxxxx | 12/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lender excluded debts shown as paid on the initial CD, however, these were not shown on the final CD. Also, missing assets to cover cash from borrower. |  | Reviewer Comment (2026-01-15): Closing Disclosure provided to verify proceeds from refinance transactions, dated on or prior to consummation. Exception cleared.<br>Reviewer Comment (2026-01-12): A pre-consummation VVOE is required to meet ATR requirements. All verification of employment in file is dated post-consummation date.<br>Reviewer Comment (2025-12-26): Received evidence of debts paid off; however, asset statements provided to verify cash to close on subject transaction are all dated post-consummation date of xxxxxx and the only VVOE in file is dated post-consummation date of xxxxxx . Documentation dated on or before consummation date required for review of ATR. | 01/15/2026 |  |  | 1 B A C | N/A | N/A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status D | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35132539 | xxxxxx | 12/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx) | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. VVOE provided is dated post closing. |  | Reviewer Comment (2026-01-14): The investor guidelines allowed the use of a paystub dated within 30 days of Note date in lieu of a VVOE.<br>Reviewer Comment (2026-01-12): A pre-consummation VVOE is required to meet ATR requirements. All verification of employment in file is dated post-consummation date.<br>Reviewer Comment (2025-12-26): A pre-consummation VVOE is required to meet ATR requirements. All verification of employment in file is dated post-consummation date. | 01/14/2026 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35132540 | xxxxxx | 12/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx) | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. VVOE provided is dated post closing. |  | Reviewer Comment (2026-01-14): The investor guidelines allowed the use of a paystub dated within 30 days of Note date in lieu of a VVOE.<br>Reviewer Comment (2026-01-12): A pre-consummation VVOE is required to meet ATR requirements. All verification of employment in file is dated post-consummation date.<br>Reviewer Comment (2025-12-26): A pre-consummation VVOE is required to meet ATR requirements. All verification of employment in file is dated post-consummation date. | 01/14/2026 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35132543 | xxxxxx | 12/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. VVOE provided is dated post closing. |  | Reviewer Comment (2026-01-15): Closing Disclosure provided to verify proceeds from refinance transactions, dated on or prior to consummation. Exception cleared. | 01/15/2026 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35132577 | xxxxxx | 12/03/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . |  | Reviewer Comment (2026-01-12): Closing Disclosures for new liens and debts paid off provided, exception cleared.<br>Reviewer Comment (2025-12-26): Closing statement provided is not signed/stamped certified/final by settlement agent. To consider this document to update the disbursement date, a final signed/stamped certified copy will be required for review. | 01/12/2026 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35136502 | xxxxxx | 12/03/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-12-18): First lien Note provided, exception cleared. | 12/18/2025 |  |  | 1 D A | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35136837 | xxxxxx | 12/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Missing mortgage statement for second lien on property located at xxxxxx |  | Reviewer Comment (2026-01-12): Closing Disclosure for new lien provided, exception cleared.<br>Reviewer Comment (2025-12-19): The borrower refinanced all three properties listed on the REO and the subject property does have a new second lien. Documentation required to verify all new liens to verify accurate DTI calculations. Exception remains. | 01/12/2026 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35136842 | xxxxxx | 12/03/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Missing mortgage statement for second lien on property located on xxxxxx. |  | Reviewer Comment (2026-01-12): Closing Disclosure for new lien provided, exception cleared.<br>Reviewer Comment (2025-12-19): The borrower refinanced all three properties listed on the REO and the subject property does have a new second lien. Documentation required to verify all new liens to verify accurate DTI calculations. Exception remains. | 01/12/2026 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35136855 | xxxxxx | 12/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-12-19): Provided, exception cleared. | 12/19/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35136864 | xxxxxx | 12/03/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing mortgage history for second lien's on properties located on xxxxxx and xxxxxx. Not provided on the credit report. |  | Reviewer Comment (2026-01-12): Closing Disclosures for new liens provided, exception cleared.<br>Reviewer Comment (2025-12-19): The borrower refinanced all three properties listed on the REO and the subject property does have a new second lien. Documentation required to verify all new liens to verify accurate DTI calculations. Exception remains. | 01/12/2026 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35136929 | xxxxxx | 12/03/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.78804% exceeds Guideline total debt ratio of 50.00000%. | Lender excluded debts shown as paid on the initial CD, however, these were not shown on the final CD. |  | Reviewer Comment (2025-12-26): Closing statement from additional refinance reflecting debts paid received in trailing docs. | 12/26/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35136941 | xxxxxx | 12/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Lender excluded debts shown as paid on the initial CD, however, these were not shown on the final CD. |  | Reviewer Comment (2026-01-12): Closing Disclosures for new liens and debts paid off provided, exception cleared.<br>Reviewer Comment (2025-12-26): Received evidence of debts paid off; however, asset statements provided to verify cash to close on subject transaction are all dated post-consummation date of xxxxxx and the only VVOE in file is dated post-consummation date of xxxxxx . Documentation dated on or before consummation date required for review of ATR. | 01/12/2026 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35136942 | xxxxxx | 12/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 52.78804% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender excluded debts shown as paid on the initial CD, however, these were not shown on the final CD. |  | Reviewer Comment (2025-12-26): Closing statement from additional refinance reflecting debts paid received in trailing docs. | 12/26/2025 |  |  | 1 C A | N/A | N/A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35310259 | xxxxxx | 12/26/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Proceeds from refinance/Other: Liquid Assets) | Asset documentation provided to meet closing funds requirement on subject transaction is all dated post-consummation date of xxxxxx . Please provide assets dated on or before consummation of subject transaction for review. |  | Reviewer Comment (2026-01-15): Closing Disclosure provided to verify proceeds from refinance transactions, dated on or prior to consummation. Exception cleared. | 01/15/2026 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | 35310260 | xxxxxx | 12/26/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Proceeds from refinance/Other: Liquid Assets) | Asset documentation provided to meet closing funds requirement on subject transaction is all dated post-consummation date of xxxxxx . Please provide assets dated on or before consummation of subject transaction for review. |  | Reviewer Comment (2026-01-15): Closing Disclosure provided to verify proceeds from refinance transactions, dated on or prior to consummation. Exception cleared. | 01/15/2026 |  |  | 1 A | N/A | N/A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852709 | xxxxxx | 35170377 | xxxxxx | 11/26/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. | The Prelim Title Policy Amount of xxxxxx is less than the note amount of xxxxxx. |  | Reviewer Comment (2025-12-02): Cleared. Doc with updated value provided | 12/02/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852709 | xxxxxx | 35170378 | xxxxxx | 11/26/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception for 2nd and 3rd Private mortgages making xxxxxx payments per Private Lender agreement (slightly less than VOE states payment should be) Borrower has lov LTV 43%. | Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-11-26): Client elects to waive and downgrade based on the following comp:<br> Borrower has low LTV of 43% |  |  | 11/26/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852740 | xxxxxx | 34985384 | xxxxxx | 11/20/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 reflects current primary residence is located at xxxxxx, however in Section 3B the property reflects as an Investment. Credit Report reflects the current primary address as xxxxxx. Property history report reflects this property is not owned by borrower. Provide the corrected 1003 reflecting No Primary Housing expense. |  | Reviewer Comment (2025-11-26): Received postdated 1003 showing correct information regarding primary address, Exception cleared. | 11/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852740 | xxxxxx | 34985401 | xxxxxx | 11/20/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Credit Report reflects the current primary address as xxxxxx. Property history report reflects property is not owned by borrower. Provide LOE on rent free from the property owner. |  | Reviewer Comment (2025-12-18): Property report for the xxxxxx shows the borrower is not an owner of the property and updated 1003 provided to verify the primary residence and payment history is verified on the credit report. Exception cleared. | 12/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852740 | xxxxxx | 35009958 | xxxxxx | 11/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unit xxxxxx - Square feet xxxxxx vs. minimum required of 400. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2026-01-05): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-12-19): The appraiser response made no update to the appraisal and further supported the property is a xxxxxx. Exception remains. |  |  | 01/05/2026 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852740 | xxxxxx | 35010001 | xxxxxx | 11/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title policy reflects there is an ADU, however the appraisal does not reflect ADU. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2026-01-05): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-12-19): The appraiser response made no update to the appraisal and further supported the property is a xxxxxx. Exception remains. |  |  | 01/05/2026 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852742 | xxxxxx | 34915155 | xxxxxx | 11/11/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA does not reflect the xxxxxx address |  | Reviewer Comment (2025-11-19): Updated CDA provided | 11/19/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852742 | xxxxxx | 34915157 | xxxxxx | 11/11/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert does not reflect the xxxxxx address |  | Reviewer Comment (2025-11-14): Updated flood cert provided | 11/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852742 | xxxxxx | 34947677 | xxxxxx | 11/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence is free and clear. Property profile report reflects a lien open on xxxxxx for xxxxxx not satisfied. |  | Reviewer Comment (2025-11-18): Received Substitution of xxxxxx and Full Reconveyance for lien open on xxxxxx for xxxxxx. Exception cleared. | 11/18/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853554 | xxxxxx | 35155551 | xxxxxx | 12/04/2025 | Credit | System | General | System | Borrower 1003 current address does not match Note address. | Borrower: xxxxxx | Application shows borrower current address with city of xxxxxx but the note has city as xxxxxx. |  | Reviewer Comment (2026-01-12): Updated 1003 provided, exception cleared.<br>Reviewer Comment (2025-12-31): Received same 1003 as in previous submission. Evidence this was provided to borrower is required for review of the condition.<br>Reviewer Comment (2025-12-18): The corrected 1003 must be signed and dated by the borrower or evidence it was provided to the borrower. Exception remains. | 01/12/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853728 | xxxxxx | 35118643 | xxxxxx | 11/30/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  | Reviewer Comment (2026-01-14): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form was provided, exception cured.<br>Reviewer Comment (2026-01-14): Only the shipping label was provided, which verified the package was delivered to the borrower on xxxxxx . Please provide a copy of the corrected document sent to the borrower, the letter of explanation required to cure this exception.<br>Reviewer Comment (2025-12-18): The form should be signed with the current date. The signed document by the borrower(s) would be sufficient to verify receipt of the form and/or the mailing label with tracking number that can be verified once delivered. |  | 01/14/2026 |  | 2 B | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 853741 | xxxxxx | 35130941 | xxxxxx | 11/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | Rent Comparison schedule is not provided. |  | Reviewer Comment (2025-11-14): Cleared. | 11/14/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853741 | xxxxxx | 35130944 | xxxxxx | 11/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The appraisal verifies the subject is tenat occupied. File is missing a copy of the lease agreement. |  | Reviewer Comment (2025-11-17): The loan product is a DSCR No Ratio - rental income/ analysis/ documentation is not part of the underwriting decision | 11/17/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853788 | xxxxxx | 35273174 | xxxxxx | 12/01/2025 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Appraisal shows subject property as tenant occupied, but there is no lease provided in file. |  | Reviewer Comment (2025-12-11): Cleared. | 12/11/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853793 | xxxxxx | 35273176 | xxxxxx | 12/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  | Reviewer Comment (2025-12-08): Vacation Rental Income Statement provided | 12/08/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853793 | xxxxxx | 35273177 | xxxxxx | 12/03/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Missing from the file |  | Reviewer Comment (2025-12-08): CPL provided | 12/08/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 853793 | xxxxxx | 35273178 | xxxxxx | 12/08/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 79.99993% exceeds Guideline loan to value percentage of 70.00000%. |  |  | Reviewer Comment (2025-12-08): Updated LTV<br>Reviewer Comment (2025-12-08): Per guidelines: Short-Term Rental Income – Refinance Transactions: Refinance: Lesser of 70%, or the LTV/CLTV based upon the DSCR/FICO/Loan balance matrix | 12/08/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854204 | xxxxxx | 35581883 | xxxxxx | 11/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $18,562.50 exceeds tolerance of $17,325.00. $1,237.50 over legal limit. Insufficient or no cure was provided to the borrower. (7325) | Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $18,562.50 exceeds tolerance of $17,325.00. $1,237.50 over legal limit. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-12-08): SitusAMC received a valid COC. | 12/08/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 854204 | xxxxxx | 35581884 | xxxxxx | 11/24/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . |  |  | Reviewer Comment (2025-12-05): Final stamped settlement statement provided updating disbursement date to xxxxxx  | 12/05/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 854204 | xxxxxx | 35581885 | xxxxxx | 11/24/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Reviewer Comment (2026-01-13): Letter of Explanation, Proof of Delivery (signature date), and Re-open Rescission provided<br>Reviewer Comment (2025-12-08): The attached does not clear this condition. Please review comments from xxxxxx The final stamped settlement statement was provided, however does not clear this condition. The transaction date on the RTC and signature date is xxxxxx with expiration of xxxxxx The final CD was not signed until xxxxxx both individuals Rescission starts from the later of closing or material disclosures provided. Rescission needs to be re-opened.<br>Reviewer Comment (2025-12-05): The final stamped settlement statement was provided, however does not clear this condition. The transaction date on the RTC and signature date is xxxxxx with expiration of xxxxxx The final CD was not signed until xxxxxx both individuals Rescission starts from the later of closing or material disclosures provided. Rescission needs to be re-opened. |  | 01/13/2026 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 854398 | xxxxxx | 35288544 | xxxxxx | 11/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Business Account Statement missing in file for the month of November and December 2024 for Account ending with#0839 & #1281 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-12-12): Waived with compensating factors per lender exception approval. |  |  | 12/12/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854398 | xxxxxx | 35288545 | xxxxxx | 11/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Business Account Statement missing in file for the month of November and December 2024 for Account ending with#0839 & #1281 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-12-12): Waived with compensating factors per lender exception approval. |  |  | 12/12/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854398 | xxxxxx | 35288546 | xxxxxx | 11/05/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Business | Business Account Statement missing in file for the month of November and December 2024 for Account ending with#0839 & #1281 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-12-12): Waived with compensating factors per lender exception approval. |  |  | 12/12/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854398 | xxxxxx | 35288547 | xxxxxx | 11/05/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Statement missing for address xxxxxx |  | Reviewer Comment (2025-11-10): First Payment Letter received and associated. Exception cleared. | 11/10/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854400 | xxxxxx | 35288575 | xxxxxx | 11/12/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 4506-C (2023), 4506-C (2024) | The file is missing the 4506C for years 2023 and 2024. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-24): Waived with compensating factors at clients request.<br>Reviewer Comment (2025-11-19): If lender is accepting post-consummation dated income documents, a request to waive can be made, but we could not clear based on being dated post-consummation.<br>Reviewer Comment (2025-11-17): Per the 8/2025 guidelines, 4506-C are required for all borrowers on all programs. |  |  | 11/24/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854400 | xxxxxx | 35288576 | xxxxxx | 11/12/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 4506-C (2023), 4506-C (2024) | The file is missing the 4506C for years 2023 and 2024. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-11-24): Waived with compensating factors at clients request.<br>Reviewer Comment (2025-11-19): If lender is accepting post-consummation dated income documents, a request to waive can be made, but we could not clear based on being dated post-consummation.<br>Reviewer Comment (2025-11-17): Per the 8/2025 guidelines, 4506-C are required for all borrowers on all programs. |  |  | 11/24/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854400 | xxxxxx | 35288579 | xxxxxx | 11/12/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the 4506C for years 2023 and 2024 for both borrowers. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-24): Waived with compensating factors at clients request.<br>Reviewer Comment (2025-11-19): If lender is accepting post-consummation dated income documents, a request to waive can be made, but we could not clear based on being dated post-consummation.<br>Reviewer Comment (2025-11-17): Per the 8/2025 guidelines, 4506-C are required for all borrowers on all programs. |  |  | 11/24/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854400 | xxxxxx | 35288580 | xxxxxx | 11/12/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: xxxxxx.00 | The file did not contain evidence of satisfaction or release of Judgment for $xxxxxx. All judgments and liens must be paid in full prior to or at closing per guidelines. |  | Reviewer Comment (2025-11-19): Included in Bankruptcy.<br>Reviewer Comment (2025-11-17): Unable to verify the judgment was included in bankruptcy. | 11/19/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854425 | xxxxxx | 35288558 | xxxxxx | 11/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for insufficient fidelity bond coverage amount of $1,000,000.00, where coverage requirements based on 3 months' HOA assessments is approximately xxxxxx for xxxxxx projects over xxxxxx units (or per state requirements). The insurance coverage must be at least equal to the greater of 3 months HOA dues or reserves or minimum required by state law. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-11-06): Waived with compensating factors per lender exception approval at origination. |  |  | 11/06/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854425 | xxxxxx | 35288559 | xxxxxx | 11/07/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.16315% exceeds Guideline total debt ratio of 50.00000%. | Lender's calculation of SSN income is $2,501.25, however the SSN award letter in the file shows an income amount of $1,740, and with the 25% gross-up equals $2,175.00. |  | Reviewer Comment (2025-11-24): DTI approved to 55% with 3000.00 residual income which is verified. | 11/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854498 | xxxxxx | 35134707 | xxxxxx | 12/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing the Business Purpose Certificate. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-12-31): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-12-19): A business purpose certificate is required on all loans, exception remains. |  |  | 12/31/2025 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 854693 | xxxxxx | 35341563 | xxxxxx | 12/09/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Mortgage statement was not provided for xxxxxx |  | Reviewer Comment (2025-12-27): Provided and cleared.<br>Reviewer Comment (2025-12-24): Removed rental income from calcs, still need mortgage statement verifying T&I are escrowed in credit report payment. | 12/27/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854693 | xxxxxx | 35341564 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | No Documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  | Reviewer Comment (2026-01-06): We do have evidence of lender providing appraisal 3 business days prior to closing in file. Just not evidence borrower opened the email. This would fire as a grade 2. Using the mailbox rule. Note date xxxxxx Funding date xxxxxx <br> Reviewer Comment (2025-12-24): D0709 does not support earlier receipt date, mailbox rule applied. |  |  | 12/24/2025 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854693 | xxxxxx | 35341565 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx xxxxxx % Vacancy Method) | Waterfall due to Lease agreement was not provided for xxxxxx |  | Reviewer Comment (2025-12-24): Removed rental income from calcs, cleared. | 12/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854693 | xxxxxx | 35341566 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to Lease agreement was not provided for xxxxxx |  | Reviewer Comment (2025-12-24): Removed rental income from calcs, cleared. | 12/24/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854693 | xxxxxx | 35341567 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $95.00 exceeds tolerance of $0.00. $95.00 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee was added on closing disclosure issued xxxxxx with no valid COC or cure. |  | Reviewer Comment (2025-12-29): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 12/29/2025 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 854693 | xxxxxx | 35341568 | xxxxxx | 12/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-12-19): Supplement provided and cleared. | 12/19/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854693 | xxxxxx | 35341569 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing lease agreement for xxxxxx |  | Reviewer Comment (2025-12-24): Removed rental income from calcs, cleared. | 12/24/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 854696 | xxxxxx | 35250569 | xxxxxx | 12/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation not provided. |  | Reviewer Comment (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854696 | xxxxxx | 35250571 | xxxxxx | 12/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report not provided. |  | Reviewer Comment (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854700 | xxxxxx | 35215890 | xxxxxx | 12/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report not provided. |  | Reviewer Comment (2025-12-10): Provided | 12/10/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854705 | xxxxxx | 35444674 | xxxxxx | 12/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement |  |  | Reviewer Comment (2025-12-29): Provided and cleared<br>Reviewer Comment (2025-12-23): Still missing lease for xxxxxx property.<br>Reviewer Comment (2025-12-23): EXCEPTION HISTORY - Exception Detail was updated on 12/23/2025 PRIOR Exception Detail: Address: xxxxxx, Address: xxxxxx<br> EXCEPTION HISTORY - Exception Explanation was updated on 12/23/2025 PRIOR Exception Explanation: Lease Agreement<br> Lease Agreement | 12/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854705 | xxxxxx | 35444675 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx/25% Vacancy Method) | Lease Agreement /1007 document not provided to verify data. |  | Reviewer Comment (2025-12-24): Provided and cleared. | 12/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854705 | xxxxxx | 35444676 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx/25% Vacancy Method) | Lease Agreement /1007 document not provided to verify data. |  | Reviewer Comment (2025-12-29): Cleared with final lease agreement | 12/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854705 | xxxxxx | 35444677 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing Lease agreement for REO properties. |  | Reviewer Comment (2025-12-29): Cleared with final lease agreement | 12/29/2025 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 854705 | xxxxxx | 35444678 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing Lease agreement for REO properties. |  | Reviewer Comment (2025-12-29): Cleared with final lease agreement | 12/29/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855199 | xxxxxx | 35215896 | xxxxxx | 12/08/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $26,587.75 is less than Cash From Borrower $124,266.80. | Documented qualifying Assets for Closing of $26,587.75 is less than Cash From Borrower $124,266.80. |  | Reviewer Comment (2025-12-10): Provided additional assets and wire | 12/10/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855201 | xxxxxx | 35250578 | xxxxxx | 12/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is not provided in file |  | Reviewer Comment (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855201 | xxxxxx | 35250580 | xxxxxx | 12/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is not provided in file |  | Reviewer Comment (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855688 | xxxxxx | 35350366 | xxxxxx | 12/23/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud report is not provided in the file |  | Reviewer Comment (2025-12-31): Provided | 12/31/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 855688 | xxxxxx | 35350370 | xxxxxx | 12/23/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-12-26): Cleared with CU score 2.4 provided | 12/26/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 855694 | xxxxxx | 35321893 | xxxxxx | 12/15/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.52 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 0.75. | We have approvals for BP DSCR and BP Ratio, Lock states BP DSCR. Lease in file is for 2800.00 per month. |  | Reviewer Comment (2025-12-26): Cleared with Original lease and updated signed current rent of $4000.00 that matches 1007 amount.<br>Reviewer Comment (2025-12-16): xxxxxx, I am only seeing a lease agreement in the file for 2800.00 from 2017 and 4000 market rents on the 1007, Do you have a lease agreement for 4000 that may not be in the file? Per guides...To calculate Gross Income, use the lower of the (a) executed lease agreement or (b) market rent from Form 1007 | 12/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855695 | xxxxxx | 35341572 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-8,900.00 exceeds tolerance of $-11,570.00. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-8,900.00 exceeds tolerance of $-11,570.00. Insufficient or no cure was provided to the borrower. No valid COC in file for CD dated xxxxxx |  | Reviewer Comment (2025-12-29): LEs and COCs provided and cleared. | 12/29/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 855695 | xxxxxx | 35341573 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . Disbursement date not listed on final CD |  | Reviewer Comment (2025-12-23): Provided and cleared. | 12/23/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 855695 | xxxxxx | 35341574 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of xxxxxx used as disbursement date for compliance testing. | Evidence of disbursement date not listed on final CD. Note Interest Accrual Start Date of xxxxxx used as disbursement date for compliance testing. |  | Reviewer Comment (2025-12-23): Provided and cleared. | 12/23/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855714 | xxxxxx | 35250595 | xxxxxx | 12/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for DSCR being below the 1.00% which lowers the LTV for a CO refi to 70%, per guide requirement LTV must be at 75%, exception is also for allowing to use a lease agreement instead of market rents despite no 3 months cancelled checked provided, comps FICO of at least 40 points above required and has owned subject for at least 5 years. | Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-17): Duplicate exception<br>Reviewer Comment (2025-12-17): reopen<br>Reviewer Comment (2025-12-12): Client elects to waive and downgrade based on the following: <br> Borrower has FICO of 731 required 680<br> borrower has owned subject for at lease 5 years. | 12/17/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855714 | xxxxxx | 35250596 | xxxxxx | 12/15/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.89 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender approved exception for DSCR being below the 1.00% which lowers the LTV for a CO refi to 70%, per guide requirement LTV must be at 75%, exception is also for allowing to use a lease agreement instead of market rents despite no 3 months cancelled checked provided, comps FICO of at least 40 points above required and has owned subject for at least 5 years. | Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-12-12): Client elects to waive and downgrade based on the following: <br> Borrower has FICO of 731 required 680<br> borrower has owned subject for at lease 5 years. |  |  | 12/12/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855715 | xxxxxx | 35617914 | xxxxxx | 12/16/2025 | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx Statement Period Months provided: 10, | Provide last 2 months (November 2024 and December 2024) bank statement for xxxxxx xxxxxx xxxxxx account xxxxxx. |  | Reviewer Comment (2025-12-24): Provided and cleared. | 12/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617915 | xxxxxx | 12/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Provide last 2 months (November 2024 and December 2024) bank statement for xxxxxx xxxxxx xxxxxx account xxxxxx. |  | Reviewer Comment (2025-12-24): Provided and cleared. | 12/24/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617916 | xxxxxx | 12/16/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Provide CPA or third-party verification document for xxxxxx xxxxxx xxxxxx. |  | Reviewer Comment (2026-01-02): Third party verif. sufficient, cleared.<br>Reviewer Comment (2025-12-24): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Account Statements - Personal, CPA Letter | 01/02/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617919 | xxxxxx | 12/16/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. No high cost analysis in file. Fees exceed 5%. |  | Reviewer Comment (2026-01-16): Cure documentation received. Loan is no longer high cost.<br>Reviewer Comment (2026-01-08): The High Cost section of the xxxxxx compliance report shows the Loan discount points paid by borrower were excluded from testing. We need the undiscounted or Par rate and the undiscounted price to obtain that rate in order to test if any of the discount points may be excluded from our testing. Page 2 of the xxxxxx report reflects an undiscounted rate of 6.374% and a Note rate of 6.624%. With this comparison the borrower almost 5,000 in discount points to obtain a higher rate. Is 6.374% actually the undiscounted rate?<br>Reviewer Comment (2026-01-02): File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. No high cost analysis in file - trailing doc includes only 1 page of a xxxxxx compliance report we don't have. | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617920 | xxxxxx | 12/16/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. This can usually be found on the xxxxxx compliance report or the discount point analysis disclosure. |  | Reviewer Comment (2026-01-16): Cure documentation received. Loan is no longer high cost.<br>Reviewer Comment (2026-01-08): The High Cost section of the xxxxxx compliance report shows the Loan discount points paid by borrower were excluded from testing. We need the undiscounted or Par rate and the undiscounted price to obtain that rate in order to test if any of the discount points may be excluded from our testing. Page 2 of the xxxxxx report reflects an undiscounted rate of 6.374% and a Note rate of 6.624%. With this comparison the borrower almost 5,000 in discount points to obtain a higher rate. Is 6.374% actually the undiscounted rate? | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617921 | xxxxxx | 12/16/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. This can usually be found on the xxxxxx compliance report or the discount point analysis disclosure. |  | Reviewer Comment (2026-01-16): Cure documentation received. Loan is no longer high cost. | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617922 | xxxxxx | 12/16/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. This can usually be found on the xxxxxx compliance report or the discount point analysis disclosure. |  | Reviewer Comment (2026-01-16): Cure documentation received. Loan is no longer high cost. | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617923 | xxxxxx | 12/16/2025 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.50533% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .50533%). Non-Compliant High Cost Loan. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. This can usually be found on the xxxxxx compliance report or the discount point analysis disclosure. |  | Reviewer Comment (2026-01-16): Cure documentation received including borrower choice letter, refund check and proof of mailing. |  | 01/16/2026 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617924 | xxxxxx | 12/16/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | File does not contain evidence of the undiscounted interest rate or the interest rate price. Need evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion. This can usually be found on the xxxxxx compliance report or the discount point analysis disclosure. |  | Reviewer Comment (2026-01-16): Cure documentation received. Loan is no longer high cost. | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617925 | xxxxxx | 12/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Provide CPA or third-party verification document for xxxxxx xxxxxx xxxxxx. |  | Reviewer Comment (2026-01-02): Third party verif. sufficient, cleared. | 01/02/2026 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617926 | xxxxxx | 12/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. (xxxxxx,xxxxxx xxxxxx/Bank Statements) | Provide CPA or third-party verification document for xxxxxx xxxxxx xxxxxx. |  | Reviewer Comment (2026-01-02): Third party verif. sufficient, cleared. | 01/02/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617927 | xxxxxx | 12/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provide CPA or third-party verification document for xxxxxx xxxxxx xxxxxx. |  | Reviewer Comment (2026-01-02): Third party verif. sufficient, cleared. | 01/02/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855715 | xxxxxx | 35617929 | xxxxxx | 12/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Provide CPA or third-party verification document for xxxxxx xxxxxx xxxxxx. |  | Reviewer Comment (2026-01-02): Third party verif. sufficient, cleared. | 01/02/2026 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 856425 | xxxxxx | 35499266 | xxxxxx | 12/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Borrower verification of current mortgage |  | Reviewer Comment (2026-01-05): Received Property history Report for Primary residence. Exception Cleared. | 01/05/2026 |  |  | 1 C A | C | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856425 | xxxxxx | 35499267 | xxxxxx | 12/30/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: 2241.00 |  |  | Reviewer Comment (2026-01-05): Per guide, xxxxxx collection may remain open. Exception cleared. | 01/05/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856426 | xxxxxx | 35499282 | xxxxxx | 01/05/2026 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | Note date: xxxxxx; Lien Position: 1 | Updated as per the secondary valuation correctly |  | Reviewer Comment (2026-01-09): Considered Field review to qualify. Exception Cleared. | 01/09/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 856442 | xxxxxx | 35499350 | xxxxxx | 12/31/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing 4506-C. Executed 4506-C form from any individual named as a borrower on the loan is required for all programs. |  | Reviewer Comment (2026-01-12): 4506-C document received and associated. Exception Cleared. | 01/12/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 856442 | xxxxxx | 35499351 | xxxxxx | 12/31/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx 4506-C (2023), 4506-C (2024)<br> 4506-C (2023), 4506-C (2024) | Missing 4506-C. Executed 4506-C form from any individual named as a borrower on the loan is required for all programs. |  | Reviewer Comment (2026-01-12): 4506-C document received and associated. Exception Cleared. | 01/12/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 856452 | xxxxxx | 35499359 | xxxxxx | 01/07/2026 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's document is not provided. |  | Reviewer Comment (2026-01-13): Received initial 1003. Exception cleared. | 01/13/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856457 | xxxxxx | 35499269 | xxxxxx | 12/31/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2026-01-06): Received Final Title Policy. Exception cleared | 01/06/2026 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856457 | xxxxxx | 35499270 | xxxxxx | 12/31/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  | Reviewer Comment (2026-01-06): Received Final Title Policy. Exception cleared | 01/06/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856460 | xxxxxx | 35499274 | xxxxxx | 12/31/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  | Reviewer Comment (2026-01-05): Received Non-Owner Occupancy Declaration does shows the borrower(s) at an address different than the subject. Exception Cleared. | 01/05/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856461 | xxxxxx | 35499253 | xxxxxx | 12/22/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-12-29): Title Final Policy received and policy amount verified. Exception Cleared. | 12/29/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856461 | xxxxxx | 35499254 | xxxxxx | 12/22/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is not reflecting in Title Preliminary |  | Reviewer Comment (2025-12-29): Title Final Policy received and policy amount verified. Exception Cleared. | 12/29/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856463 | xxxxxx | 35499337 | xxxxxx | 12/29/2025 | Compliance | Compliance | State Compliance | Misc. State Level | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (T-42 Endorsement Not Obtained) | xxxxxx Constitution Section 50(a)(6): Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the xxxxxx T-42 endorsement or the T-42.1 endorsement. (The loan is a xxxxxx Section 50 (a)(6) home equity loan.) | Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the xxxxxx T-42 endorsement or the T-42.1 endorsement. (The loan is a xxxxxx Section 50 (a)(6) home equity loan.) |  | Reviewer Comment (2026-01-05): Final Title Policy received, exception cleared. | 01/05/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A | B | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856463 | xxxxxx | 35499338 | xxxxxx | 12/29/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2026-01-05): Final Title Policy received, exception cleared. | 01/05/2026 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856465 | xxxxxx | 35499262 | xxxxxx | 12/29/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | File is missing verification donor has sufficient funds to cover the gift. Statement in file does not support full amount of funds and file does not contain wire transfer to settlement agent. |  | Reviewer Comment (2026-01-05): Source of gift fund received and verified the details. Exception Cleared. | 01/05/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856466 | xxxxxx | 35499322 | xxxxxx | 12/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception for Current Approved Budget waived with compensating factors: For Current year or for current fiscal year. Must include 10% - Line item expense for reserves. Budget for 2025 showing 2.33% reserves, which does not meet the 10% requirement and the association does not have a balance sheet. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-12-23): Waived with compensating factors per lender exceptions approval at origination. |  |  | 12/23/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 856471 | xxxxxx | 35499316 | xxxxxx | 12/17/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-12-26): Title Supplement received and associated. Exception cleared. | 12/26/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 856471 | xxxxxx | 35499318 | xxxxxx | 12/17/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2025-12-22): Initial 1003 received and details verified. Exception cleared. | 12/22/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 856476 | xxxxxx | 35288456 | xxxxxx | 11/26/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-12-05): Received Final Title Policy. Exception Cleared. | 12/05/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856476 | xxxxxx | 35288457 | xxxxxx | 11/26/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  | Reviewer Comment (2025-12-05): Received Final Title Policy. Exception Cleared.<br>Reviewer Comment (2025-12-03): Provided final title policy which does not have date of policy and attached addendum page. Provide complete final policy. Exception remains. | 12/05/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856476 | xxxxxx | 35288458 | xxxxxx | 12/03/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provided final title policy which does not have date of policy and attached addendum page. Provide complete final policy. Exception remains. |  | Reviewer Comment (2025-12-05): Received Final Title Policy. Exception Cleared. | 12/05/2025 |  |  | 1 A |  | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856479 | xxxxxx | 35288472 | xxxxxx | 12/04/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report is missing in file. |  | Reviewer Comment (2025-12-09): Received Credit Report in the file. Exception Cleared. | 12/09/2025 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856479 | xxxxxx | 35288473 | xxxxxx | 12/04/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of 700. | Credit Report is missing in file. |  | Reviewer Comment (2025-12-09): Received Credit Report in the file. Guidelines Requirement met. Exception Cleared. | 12/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856481 | xxxxxx | 35288608 | xxxxxx | 11/26/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living with someone other than a spouse. This does not meet the guidelines. File is missing underwriter discretion documentation allowing guideline exception. |  | Reviewer Comment (2025-12-03): 1008 with underwriter discretion received. | 12/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856481 | xxxxxx | 35288609 | xxxxxx | 11/26/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Status not provided |  |  |  | Reviewer Comment (2025-12-03): ITIN letter and Letter from tax preparer confirming they have filed the borrower's most recent tax return with the IRS available. | 12/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856481 | xxxxxx | 35288610 | xxxxxx | 11/26/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Business Narrative | File is missing Business Narrative. |  | Reviewer Comment (2025-12-03): Guideline does not require business narrative. | 12/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856481 | xxxxxx | 35288611 | xxxxxx | 11/26/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing signed Business Narrative. |  | Reviewer Comment (2025-12-03): Guideline does not require business narrative. | 12/03/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856493 | xxxxxx | 35288479 | xxxxxx | 12/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination with compensating factors of over 4 months addt'l reserves and <=$1.0M. 40 points over the min score in the tier.<br>1.) The insurance coverage must equal to the greater of 3 months HOA dues. 2.) General Guides-Current Approved Budget: For current or for current fiscal year, must include 10% line item expense for reserves. 3.) Non-warrantable Guides- 7% -9.99% if condo has cash assets that equal 25% of HOA assessments as listed on current year budget. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2025-12-11): Waived with compensating factors per lender exceptions approval at origination. |  |  | 12/11/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857093 | xxxxxx | 35321894 | xxxxxx | 12/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report missing in Loan File. |  | Reviewer Comment (2025-12-26): Provided | 12/26/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857093 | xxxxxx | 35321898 | xxxxxx | 12/23/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-12-26): Waived |  |  | 12/26/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857100 | xxxxxx | 35484229 | xxxxxx | 12/23/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2026-01-06): Provided and cleared. | 01/06/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857100 | xxxxxx | 35484230 | xxxxxx | 12/23/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to test timing. Initial 1003 not in file, and unable to source application date using other docs provided. |  | Reviewer Comment (2025-12-29): Waived<br>Reviewer Comment (2025-12-24): Please provide evidence of application date, missing initial 1003 and date not sourced elsewhere in file. |  |  | 12/29/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857100 | xxxxxx | 35484231 | xxxxxx | 12/23/2025 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Unable to test timing. Initial 1003 not in file, and unable to source application date using other docs provided. |  | Reviewer Comment (2025-12-29): Waived |  |  | 12/29/2025 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857100 | xxxxxx | 35484233 | xxxxxx | 01/06/2026 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  | Reviewer Comment (2026-01-06): Okay per client |  |  | 01/06/2026 | 2 B |  | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857111 | xxxxxx | 35444684 | xxxxxx | 12/29/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Appraisal proof of delivery is not provided within 3 business days prior to closing |  | Reviewer Comment (2026-01-02): Doc unacceptable, waived per client guidance |  |  | 01/02/2026 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857111 | xxxxxx | 35444687 | xxxxxx | 12/29/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2026-01-02): Supplement provided. | 01/02/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857113 | xxxxxx | 35444682 | xxxxxx | 12/24/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Only disclosure in file dated xxxxxx closing. Missing evidence of receipt within 3 days of application. |  | Reviewer Comment (2026-01-02): Waived per client guidance |  |  | 01/02/2026 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857116 | xxxxxx | 35444695 | xxxxxx | 12/31/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (Main, xxxxxx /Bank Statements) | CPA/Third Party Verification missing from file. |  | Reviewer Comment (2026-01-04): Provided and cleared. | 01/04/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857116 | xxxxxx | 35444697 | xxxxxx | 12/31/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | CPA/Third Party Verification missing from file. |  | Reviewer Comment (2026-01-04): Provided and cleared. | 01/04/2026 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857116 | xxxxxx | 35444698 | xxxxxx | 12/31/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $618.00 exceeds tolerance of $617.00. Sufficient or excess cure was provided to the borrower. (8304) |  |  | Reviewer Comment (2025-12-29): Sufficient Cure Provided within 60 Days of Closing |  | 12/29/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857116 | xxxxxx | 35444699 | xxxxxx | 12/31/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | CPA/Third Party Verification missing from file. |  | Reviewer Comment (2026-01-04): Provided and cleared. | 01/04/2026 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857119 | xxxxxx | 35444689 | xxxxxx | 12/29/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | No Documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  | Reviewer Comment (2026-01-02): Doc unacceptable, waived per client guidance. |  |  | 01/02/2026 | 2 B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 857119 | xxxxxx | 35444690 | xxxxxx | 12/29/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:68463 xxxxxx) |  |  | Reviewer Comment (2026-01-02): Doc unacceptable, waived per client guidance. |  |  | 01/02/2026 | 2 B | B | B | xxxxxx | xxxxxx | Second Home | Purchase | B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 857122 | xxxxxx | 35617935 | xxxxxx | 01/06/2026 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  | Reviewer Comment (2026-01-16): HOEPA points and fees exception cured. | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857122 | xxxxxx | 35617936 | xxxxxx | 01/06/2026 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  | Reviewer Comment (2026-01-16): HOEPA points and fees exception cured. | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857122 | xxxxxx | 35617937 | xxxxxx | 01/06/2026 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.11873% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .11873%). Non-Compliant High Cost Loan. | Undiscounted rate price missing - needed to test discount points for possible exclusion. Itemization of seller credit missing. |  | Reviewer Comment (2026-01-16): SitusAMC received Signed letter from borrower indicating their choice to accept refund and make loan non-high-cost, copy of refund check and proof of mailing. |  | 01/16/2026 |  | 2 C B | C | B C | xxxxxx | xxxxxx | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857122 | xxxxxx | 35617938 | xxxxxx | 01/06/2026 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  | Reviewer Comment (2026-01-16): HOEPA points and fees exception cured.<br>Reviewer Comment (2026-01-07): Exception tied to HOEPA/Hight Cost failure. Undiscounted rate price missing - needed to test discount points for possible exclusion. Itemization of seller credit also missing. | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857122 | xxxxxx | 35617941 | xxxxxx | 01/06/2026 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Amount Borrowed Inaccurate > $100) | High-Cost Mortgage (Dodd-Frank 2014) Non-Compliant: HOEPA Disclosure reflects 'Amount Borrowed' outside of $100.00 tolerance. | Undiscounted rate price missing - needed to test discount points for possible exclusion. Itemization of seller credit missing. |  | Reviewer Comment (2026-01-16): HOEPA points and fees exception cured. | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857133 | xxxxxx | 35484255 | xxxxxx | 01/07/2026 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Only appraisal notice in file is dated xxxxxx vs. latest 1073 report date xxxxxx . |  | Reviewer Comment (2026-01-08): Waived |  |  | 01/08/2026 | 2 B | B | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857133 | xxxxxx | 35484256 | xxxxxx | 01/07/2026 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Receive a Copy of appraisal is missing from file, needs to be dated within 3 days of application. |  | Reviewer Comment (2026-01-08): Disclosure provided | 01/08/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857133 | xxxxxx | 35484258 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Document provided is dated day of closing |  | Reviewer Comment (2026-01-08): Waived |  |  | 01/08/2026 | 2 B |  | B | xxxxxx | xxxxxx | Investment | Purchase | B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617943 | xxxxxx | 01/08/2026 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2026-01-12): Supplement provided and cleared. | 01/12/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617945 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx./Wages) | Waterfall due to missing verbal verification of employment for xxxxxx. |  | Reviewer Comment (2026-01-12): TWN provided and cleared. | 01/12/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617946 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xxxxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Final xxxxxx) | Closing Disclosure estimated to be provided on xxxxxx did not disclose the actual Date Issued. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617947 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx did not disclose the Amount Financed. (Final xxxxxx) | Final Closing Disclosure did not disclose the Amount Financed. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617948 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx did not disclose the APR. (Final xxxxxx) | Final Closing Disclosure did not disclose the APR. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617949 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | Final Closing Disclosure did not disclose Estimated Taxes, Insurance, and Assessments. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617950 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx did not disclose the Finance Charge. (Final xxxxxx) | Final Closing Disclosure did not disclose the Finance Charge. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617951 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final xxxxxx) | Final Closing Disclosure did not disclose whether Homeowners Insurance is included in escrow. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617952 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). (Final xxxxxx) | Final closing disclosure is incomplete. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617953 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan contains Negative Amortization. (Final xxxxxx) | Final Closing Disclosure did not disclose whether the loan contains Negative Amortization. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617954 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final xxxxxx) | Final Closing Disclosure did not disclose whether the loan allows for Partial Payments. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617955 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether property taxes are included in escrow. (Final xxxxxx) | Final Closing Disclosure did not disclose whether property taxes are included in escrow. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617956 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx did not disclose the Total of Payments. (Final xxxxxx) | Final Closing Disclosure did not disclose the Total of Payments. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617957 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final xxxxxx) | Seller's Closing Disclosure is less than Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. PCCD was provided in file, still need LOX to Borrower and proof of delivery with tracking |  | Reviewer Comment (2026-01-15): Provided and cleared. | 01/15/2026 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617958 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing verbal verification of employment for xxxxxx. |  | Reviewer Comment (2026-01-12): TWN provided and cleared. | 01/12/2026 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617959 | xxxxxx | 01/08/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | VVOE is missing |  | Reviewer Comment (2026-01-12): TWN provided and cleared. | 01/12/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617960 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing verbal verification of employment for xxxxxx. |  | Reviewer Comment (2026-01-12): TWN provided and cleared. | 01/12/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617961 | xxxxxx | 01/08/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing verbal verification of employment for xxxxxx. |  | Reviewer Comment (2026-01-12): TWN provided and cleared. | 01/12/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617962 | xxxxxx | 01/08/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | File is missing verbal verification of employment for xxxxxx. |  | Reviewer Comment (2026-01-12): TWN provided and cleared. | 01/12/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617963 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing verbal verification of employment for xxxxxx. |  | Reviewer Comment (2026-01-12): TWN provided and cleared. | 01/12/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | 35617964 | xxxxxx | 01/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing verbal verification of employment for xxxxxx. |  | Reviewer Comment (2026-01-12): TWN provided and cleared. | 01/12/2026 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857639 | xxxxxx | 35444700 | xxxxxx | 12/30/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Information updated from Title Preliminary document. |  | Reviewer Comment (2025-12-31): Provided and cleared | 12/31/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 857640 | xxxxxx | 35484240 | xxxxxx | 01/08/2026 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2026-01-09): Supplement provided and cleared. | 01/09/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857641 | xxxxxx | 35484234 | xxxxxx | 01/06/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx lease Agreement | Missing lease or tax returns supporting rental income. |  | Reviewer Comment (2026-01-07): Removed rental income offset used on 1003/approval, DTI now 44% and cleared. | 01/07/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857641 | xxxxxx | 35484236 | xxxxxx | 01/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxxxx/25% Vacancy Method) | Waterfall due to missing lease or tax returns supporting rental income. |  | Reviewer Comment (2026-01-07): Removed rental income offset used on 1003/approval, DTI now 44% and cleared. | 01/07/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857641 | xxxxxx | 35484237 | xxxxxx | 01/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing lease or tax returns supporting rental income. |  | Reviewer Comment (2026-01-07): Removed rental income offset used on 1003/approval, DTI now 44% and cleared. | 01/07/2026 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857641 | xxxxxx | 35484238 | xxxxxx | 01/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing lease or tax returns supporting rental income. |  | Reviewer Comment (2026-01-07): Removed rental income offset used on 1003/approval, DTI now 44% and cleared. | 01/07/2026 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857642 | xxxxxx | 35617969 | xxxxxx | 01/13/2026 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx | The Hazard Insurance Policy Effective Date is xxxxxx , the disbursement date is xxxxxx . |  | Reviewer Comment (2026-01-15): Prev. policy provided and cleared. | 01/15/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 857642 | xxxxxx | 35617971 | xxxxxx | 01/13/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Loan Estimate provided on xxxxxx not received by borrower at least four business days prior to closing. |  | Reviewer Comment (2026-01-13): Provided and cleared. | 01/13/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 857642 | xxxxxx | 35617972 | xxxxxx | 01/13/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Loan Estimate provided on xxxxxx not received by borrower at least four business days prior to closing. |  | Reviewer Comment (2026-01-13): Provided and cleared. | 01/13/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 857645 | xxxxxx | 35499416 | xxxxxx | 01/13/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.34066% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .34066%). | The points and fees are more than allowable maximum, causing the loan to waterfall through the QM Testing. |  | Reviewer Comment (2026-01-14): Cleared tested to Non-QM | 01/14/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857645 | xxxxxx | 35499417 | xxxxxx | 01/13/2026 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow deposit changed on PCCD, updated IEADS not in file. |  | Reviewer Comment (2026-01-14): Waived |  |  | 01/14/2026 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857645 | xxxxxx | 35499420 | xxxxxx | 01/13/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Points and fees are more than allowable maximum, causing the loan to waterfall through the QM Testing. |  | Reviewer Comment (2026-01-14): Cleared tested to Non-QM | 01/14/2026 |  |  | 1 B A C | C | A B | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 857645 | xxxxxx | 35499421 | xxxxxx | 01/13/2026 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Secondary xxxxxx) | Original appraisal with xxxxxx value provided to borrower xxxxxx vs. xxxxxx report date. Missing evidence of receipt for xxxxxx report dated xxxxxx 2nd appraisal with xxxxxx value was sent on xxxxxx . |  | Reviewer Comment (2026-01-13): Provided and cleared. | 01/13/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 857647 | xxxxxx | 35499411 | xxxxxx | 01/09/2026 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Appraisal delivery confirmation receipt is not provided |  | Reviewer Comment (2026-01-09): Provided and cleared. | 01/09/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 857818 | xxxxxx | 35499290 | xxxxxx | 01/05/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final, estimated provided. |  | Reviewer Comment (2026-01-13): Received final settlement statement in the file. Exception Cleared. | 01/13/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857819 | xxxxxx | 35499284 | xxxxxx | 01/05/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2026-01-09): Received final title policy. Exception cleared. | 01/09/2026 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857819 | xxxxxx | 35499285 | xxxxxx | 01/05/2026 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2026-01-09): Received final title policy with policy amount xxxxxx. Exception cleared. | 01/09/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857819 | xxxxxx | 35499286 | xxxxxx | 01/05/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Estimate proivded. |  | Reviewer Comment (2026-01-09): Received final settlement statement. Exception cleared. | 01/09/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857824 | xxxxxx | 35499332 | xxxxxx | 12/26/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,875.00. Insufficient or no cure was provided to the borrower. (9300) | Credit decreased on Closing Disclosure issued xxxxxx with no valid change evident. |  | Reviewer Comment (2026-01-02): SitusAMC received letter of exception and as per available COC dated xxxxxx . | 01/02/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 857824 | xxxxxx | 35499333 | xxxxxx | 12/26/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,156.25 exceeds tolerance of $0.00. $4,156.25 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Fee was added on Closing Disclosure issued xxxxxx and increased again on Disclosure issued xxxxxx with no valid change evident. |  | Reviewer Comment (2026-01-02): SitusAMC received letter of exception and as per available COC dated xxxxxx and xxxxxx . | 01/02/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 857824 | xxxxxx | 35499334 | xxxxxx | 12/26/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free with someone other than a spouse. This does not meet the guidelines. File is missing underwriter discretion documentation allowing exception. |  | Reviewer Comment (2026-01-02): 1008 received stated borrower is living rent free with non-spouse. <br> Exception cleared. | 01/02/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 857824 | xxxxxx | 35499335 | xxxxxx | 12/26/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception allowing less than 12 month commission income to be used for qualification. Compensating factors: FICO score and LTV. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2026-01-02): Waived with compensating factors per lender exception approval. |  |  | 01/02/2026 | 2 C B | C | B C | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 857829 | xxxxxx | 35700158 | xxxxxx | 01/07/2026 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report is missing from the file. |  | Reviewer Comment (2026-01-12): Received credit report, Exception cleared. | 01/12/2026 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 857829 | xxxxxx | 35700160 | xxxxxx | 01/07/2026 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of 700. | FICO discrepancy due to missing credit report. |  | Reviewer Comment (2026-01-12): Received credit report, Exception cleared. | 01/12/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 857829 | xxxxxx | 35700161 | xxxxxx | 01/07/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA is duly certified. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-01-16): Waived with compensating factors per lender exception approval. |  |  | 01/16/2026 | 2 C B | C | B C | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 857829 | xxxxxx | 35700162 | xxxxxx | 01/07/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing the Operating Agreement for the business entity. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines.<br>The representative FICO score exceeds the guideline minimum. | Reviewer Comment (2026-01-16): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2026-01-12): Please provide complete operating agreement showing ownership %, Exception remains. |  |  | 01/16/2026 | 2 C B | C | B D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 857830 | xxxxxx | 35499324 | xxxxxx | 12/23/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Intial 1003 is missing |  | Reviewer Comment (2025-12-29): Commercial loan application considered as Initial 1003.Exception cleared. | 12/29/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | B | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 857831 | xxxxxx | 35499260 | xxxxxx | 12/29/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2026-01-02): As per UCDP CU score is 1 hence no 3rd party review required. Exception Cleared. | 01/02/2026 |  |  | 1 D A | D | A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 857832 | xxxxxx | 35499315 | xxxxxx | 10/30/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: xxxxxx. | All judgments must be paid in full prior to or at closing. |  | Reviewer Comment (2025-11-11): Received current judgment lien amount and lien of xxxxxx can be verified as misc payoff paid through closing. Exception cleared.<br>Reviewer Comment (2025-11-04): Tax lien is not reflected as being paid on final closing statement. | 11/11/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 857841 | xxxxxx | 35499271 | xxxxxx | 12/31/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx | Spousal Consent is missing, however required as per state. |  | Reviewer Comment (2026-01-06): Spousal Consent not required as loan closes in the name of Individual and not an entity. Exception Cleared. | 01/06/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857842 | xxxxxx | 35499358 | xxxxxx | 01/06/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,375.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,375.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. |  | Reviewer Comment (2025-12-29): Sufficient Cure Provided At Closing |  | 12/29/2025 |  | 1 A | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | A | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 857848 | xxxxxx | 35499279 | xxxxxx | 01/02/2026 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  | Reviewer Comment (2026-01-07): OFAC for business entity document received. Exception cleared. | 01/07/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857848 | xxxxxx | 35499280 | xxxxxx | 01/02/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: xxxxxx. | Judgements are required to be paid. |  | Reviewer Comment (2026-01-07): Judgments paid off, exception cleared. | 01/07/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857848 | xxxxxx | 35499281 | xxxxxx | 01/02/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  | Reviewer Comment (2026-01-07): Corrected Non-Owner Occupancy Certificate received, exception cleared. | 01/07/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857850 | xxxxxx | 35499311 | xxxxxx | 09/19/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-09-26): Final title. | 09/26/2025 |  |  | 1 A | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857850 | xxxxxx | 35499312 | xxxxxx | 09/19/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-09-26): Final title. | 09/26/2025 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857855 | xxxxxx | 35499243 | xxxxxx | 12/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud doc is missing in file. |  | Reviewer Comment (2025-12-09): Received Fraud Report. Exception Cleared. | 12/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857855 | xxxxxx | 35499244 | xxxxxx | 12/03/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC doc is missing in file |  | Reviewer Comment (2025-12-09): Received Fraud Report. Exception Cleared. | 12/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857855 | xxxxxx | 35499246 | xxxxxx | 12/03/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | OFAC is missing in file. |  | Reviewer Comment (2025-12-09): Received Fraud Report. Exception Cleared | 12/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857855 | xxxxxx | 35499247 | xxxxxx | 12/03/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud document is missing in file. |  | Reviewer Comment (2025-12-09): Received Fraud Report. Exception Cleared | 12/09/2025 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 859174 | xxxxxx | 35698808 | xxxxxx | 01/13/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Tax Verification |  |  | Reviewer Comment (2026-01-13): Provided and cleared. | 01/13/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 859174 | xxxxxx | 35698812 | xxxxxx | 01/13/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement |  |  | Reviewer Comment (2026-01-16): Taxes Insurance in file, P&I from credit report<br>Reviewer Comment (2026-01-15): Need mortgage statement for xxxxxx | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 859174 | xxxxxx | 35698813 | xxxxxx | 01/13/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement |  |  | Reviewer Comment (2026-01-16): Provided and cleared<br>Reviewer Comment (2026-01-15): Need mortgage statement for xxxxxx | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 859174 | xxxxxx | 35698814 | xxxxxx | 01/13/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement |  |  | Reviewer Comment (2026-01-16): Provided and cleared<br>Reviewer Comment (2026-01-15): Need mortgage statement for xxxxxx | 01/16/2026 |  |  | 1 C A | C | A C | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 859182 | xxxxxx | 35698823 | xxxxxx | 01/14/2026 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2026-01-15): Waived on updated appraisal dated xxxxxx provided on appraisal dated xxxxxx  |  |  | 01/15/2026 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 859182 | xxxxxx | 35698824 | xxxxxx | 01/14/2026 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:71118 xxxxxx) |  |  | Reviewer Comment (2026-01-15): Provided and cleared | 01/15/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 859186 | xxxxxx | 35698835 | xxxxxx | 01/16/2026 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  | Reviewer Comment (2026-01-16): Provided and cleared. | 01/16/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 859194 | xxxxxx | 35698857 | xxxxxx | 01/20/2026 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 679 is less than Guideline representative FICO score of 680. | Lender approved exception in file | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2026-01-20): Lender approved exception in file for 679 CS being used for WVOE program. 680 is requirement. |  |  | 01/20/2026 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 859197 | xxxxxx | 35698867 | xxxxxx | 01/22/2026 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2026-01-23): Provided and cleared | 01/23/2026 |  |  | 1 B A | B | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 859198 | xxxxxx | 35698861 | xxxxxx | 01/20/2026 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2026-01-20): Waived, loan is Non QM |  |  | 01/20/2026 | 2 B | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |

---

## Exhibit 99.4

**EXHIBIT 99.4**

**AMC RATING AGENCY GRADES**

![](tm267306d1_exhibitimg001.jpg)

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **SCOPE** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Moody's** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Moody's** | **Scope** |
| xxxxxx | 816365 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 837568 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 839677 | xxxxxx | xxxxxx | xxxxxx C | N/A C | C | C | C | N/A | C A | N/A C | N/A C | N/A | B | B | B | N/A | B A | N/A B | N/A B | Mortgagor Focused |
| xxxxxx | 842918 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 843272 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A C | C D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 845842 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 846161 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 846452 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847125 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 847863 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848078 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848187 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848648 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848680 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A D | D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 848711 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 848992 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A D | D | D A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849097 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849131 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849224 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849227 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849238 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 849260 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 849282 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849511 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849629 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 849680 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 849717 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 850079 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850176 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850178 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850325 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850422 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850455 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850498 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850741 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850852 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 850895 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 851060 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 851440 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 851473 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 851535 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 851541 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 851602 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 851714 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 852397 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 852415 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx | xxxxxx | xxxxxx D | N/A D | C | C | C | N/A | C A | N/A D | N/A D | N/A | A | A | A | N/A | A | N/A | N/A | Mortgagor Focused |
| xxxxxx | 852709 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 852740 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 852742 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853554 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 853728 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 853733 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853734 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853741 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853743 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853788 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853791 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 853793 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854204 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 854398 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 854400 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 854425 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 854498 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 854689 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854693 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 854696 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854700 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 854705 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854713 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855197 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855199 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855201 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855212 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855218 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855219 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855681 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855682 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855684 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855688 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855694 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855695 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855700 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855701 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855707 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855709 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 855714 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 855715 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 856425 | xxxxxx | xxxxxx | xxxxxx C | C D | N/A | N/A | N/A | N/A | N/A | A C | C D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856426 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A C | C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856427 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856431 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856442 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856449 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856452 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856453 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856457 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856458 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856460 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856461 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856463 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856464 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856465 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856466 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 856471 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856472 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856473 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856476 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856479 | xxxxxx | xxxxxx | xxxxxx D | D | N/A | N/A | N/A | N/A | N/A | A D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856481 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856489 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856493 | xxxxxx | xxxxxx | xxxxxx B | B | N/A | N/A | N/A | N/A | N/A | A B | B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 856500 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 856501 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857085 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857086 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857090 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857091 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857093 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C B | B | N/A | N/A | N/A | N/A | N/A | A B | B | Property Focused |
| xxxxxx | 857100 | xxxxxx | xxxxxx | xxxxxx C | C | B | B | B | B | B A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 857102 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857108 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857110 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857111 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 857113 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 857116 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857117 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857118 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857119 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 857121 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857122 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 857123 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857126 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857129 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857132 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857133 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 857601 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857604 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857605 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857613 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857619 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857623 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857628 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857632 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857635 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857637 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857639 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857640 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857641 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857642 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857643 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857644 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857645 | xxxxxx | xxxxxx | xxxxxx A | A | C | C | C | C | C A | A C | C A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 857647 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857648 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857817 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857818 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857819 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857820 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857821 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857824 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C A | A C | C B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 857828 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857829 | xxxxxx | xxxxxx | xxxxxx D | D | A | A | A | A | A | A D | D B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 857830 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857831 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A D | D | D A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857832 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857835 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857841 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857842 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857843 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857846 | xxxxxx | xxxxxx | xxxxxx A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857847 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857848 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 857850 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857855 | xxxxxx | xxxxxx | xxxxxx C | C | N/A | N/A | N/A | N/A | N/A | A C | C A | A | N/A | N/A | N/A | N/A | N/A | A | A | Property Focused |
| xxxxxx | 859174 | xxxxxx | xxxxxx | xxxxxx C | C | A | A | A | A | A | A C | C A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 859178 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 859182 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |
| xxxxxx | 859184 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 859186 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 859192 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 859193 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 859194 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A B | B | B | A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 859197 | xxxxxx | xxxxxx | xxxxxx B | B | A | A | A | A | A | A B | B A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 859198 | xxxxxx | xxxxxx | xxxxxx A | A | B | B | B | B | B A | A B | B A | A | B | B | B | B | B A | A B | B | Mortgagor Focused |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR DILIGENCE REPORT**

![](tm267306d1_exhibitimg001.jpg)

**QM ATR Diligence Report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Designation** | **Originator Re Stated QM Designation** | **Due Diligence QM Designation** | **Application Date** |
| xxxxxx | 816365 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837568 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 839677 | xxxxxx | xxxxxx | N/A |  | Non QM | xxxxxx |
| xxxxxx | 842918 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 843272 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 845842 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 846161 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 846452 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847125 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847863 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848078 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848187 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848648 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848680 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848711 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848992 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849097 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849131 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849224 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849227 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849238 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849260 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849282 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849511 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849629 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849680 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849717 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850079 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850176 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850178 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850325 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850422 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850455 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850498 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850741 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850852 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850895 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851060 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851440 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851473 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851535 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851541 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851602 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851714 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852397 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852403 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852415 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852486 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852709 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852740 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852742 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853554 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853728 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853733 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853734 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853741 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853743 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853788 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853791 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853793 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854204 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854398 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 854400 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 854425 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854498 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854689 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854693 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854696 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854700 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854705 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854713 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855197 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855199 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855201 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855212 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855218 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855219 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855681 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855682 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855684 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855688 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855694 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855695 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855700 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855701 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855707 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855709 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855714 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855715 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 856425 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856426 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856427 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856431 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856442 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 856449 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856452 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856453 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856457 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856458 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856460 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856461 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856463 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856464 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856465 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856466 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 856471 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 856472 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856473 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856476 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856479 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856481 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856489 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856493 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856500 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 856501 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857085 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857086 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857090 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857091 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857093 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857100 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857102 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857108 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857110 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857111 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857113 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857116 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857117 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857118 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857119 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 857121 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857122 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857123 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857126 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857129 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 857132 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857133 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857601 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857604 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857605 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857613 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857619 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857623 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857628 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857632 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857635 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857637 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857638 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857639 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 857640 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857641 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857642 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 857643 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 857644 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 857645 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857647 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 857648 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 857817 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857818 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857819 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857820 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857821 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857824 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 857828 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 857829 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 857830 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 857831 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857832 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 857835 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857841 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857842 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 857843 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857846 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857847 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 857848 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 857850 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857855 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 859174 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 859178 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 859182 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 859184 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 859186 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 859192 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 859193 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 859194 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 859197 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 859198 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC VALUATION REPORT**

![](tm267306d1_exhibitimg001.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller 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** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** | **Scope** |
| xxxxxx | 816365 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/27/2024 | 06/25/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2024 | 06/25/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | No |  | 1.40 | Mortgagor Focused |
| xxxxxx | 837568 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 839677 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/12/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 06/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 842918 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/29/2025 | 07/01/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 843272 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 4.60 | Property Focused |
| xxxxxx | 845842 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 846161 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 5.330% | xxxxxx | 07/28/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/02/2025 | 09/27/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 846452 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -8.910% | 09/08/2025 | 09/08/2025 | AVM | xxxxxx | 0.04 |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 847125 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847863 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 848078 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 02/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/20/2025 | 02/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848187 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 848648 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/02/2025 | 08/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848680 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 0.390% | xxxxxx | 09/25/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/22/2025 | 09/19/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848711 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/14/2025 | 09/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/18/2025 | 09/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 848992 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/21/2025 | 02/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/24/2025 | 02/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 849097 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849131 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/13/2025 | 09/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 | Property Focused |
| xxxxxx | 849224 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 2.250% | 09/25/2025 | 09/25/2025 | AVM | xxxxxx | 0.03 |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849227 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/06/2025 | 09/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | No | 3.50 | 2.90 | Property Focused |
| xxxxxx | 849238 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 849260 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 08/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849282 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.340% | 09/17/2025 | 09/17/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849511 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/22/2025 | 10/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849629 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/23/2025 | 09/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 849680 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 | Property Focused |
| xxxxxx | 849717 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/30/2025 | 10/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850079 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 850176 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 09/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 850178 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/14/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.790% | 11/17/2025 | 09/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850325 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.740% | 09/23/2025 | 09/16/2025 | Appraisal | xxxxxx |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Moderate | 09/23/2025 | 09/16/2025 | N/A |  |  | Property Focused |
| xxxxxx | 850422 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 09/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 | Property Focused |
| xxxxxx | 850455 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/18/2025 | 10/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | No |  | 2.80 | Property Focused |
| xxxxxx | 850498 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/11/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850741 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/11/2025 | 09/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Property Focused |
| xxxxxx | 850852 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 10/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 850895 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/22/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/27/2025 | 10/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851060 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.860% | 09/25/2025 | 09/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | No | 3.50 | 2.60 | Property Focused |
| xxxxxx | 851440 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.010% | 09/25/2025 | 09/24/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851473 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/09/2025 | 10/03/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851535 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/06/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 851541 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 851602 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 851714 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 852397 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/24/2025 | 10/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/01/2025 | 10/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/19/2025 | 10/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | No |  | 3.00 | Mortgagor Focused |
| xxxxxx | 852415 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/20/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/07/2025 | 11/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 852709 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852740 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/24/2025 | 10/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 852742 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/12/2025 | 10/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | No | 4.50 | 3.80 | Property Focused |
| xxxxxx | 853554 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/11/2025 | 11/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.920% | 11/11/2025 | 11/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | Yes | 2.00 | 3.80 | Mortgagor Focused |
| xxxxxx | 853728 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/31/2025 | 08/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/03/2025 | 08/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 853733 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 853734 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/26/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853741 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853743 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853788 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/16/2025 | 08/01/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 853791 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/12/2025 | 11/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 853793 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/13/2025 | 10/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.240% | 11/05/2025 | 11/05/2025 | AVM | xxxxxx | 0.04 |  |  |  |  |  |  |  |  | N/A |  | 3.10 | Property Focused |
| xxxxxx | 854204 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 6.060% | 10/27/2025 | 10/22/2025 | Appraisal | xxxxxx |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Moderate | 10/27/2025 | 10/13/2025 | N/A |  |  | Mortgagor Focused |
| xxxxxx | 854398 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 854400 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/14/2025 | 09/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854425 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/09/2025 | 10/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 2.90 | Mortgagor Focused |
| xxxxxx | 854498 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 854689 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854693 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 10/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854696 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854700 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Property Focused |
| xxxxxx | 854705 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/07/2025 | 09/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 2.70 | Mortgagor Focused |
| xxxxxx | 854713 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/11/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855197 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855199 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855201 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/11/2025 | 10/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 855212 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/22/2025 | 09/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855218 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/02/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/18/2025 | 10/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 855219 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/03/2025 | 10/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/03/2025 | 10/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855681 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855682 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/07/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 855684 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/16/2025 | 10/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 855688 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/02/2025 | 10/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Property Focused |
| xxxxxx | 855694 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/07/2025 | 11/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/13/2025 | 11/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 855695 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/14/2025 | 11/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/19/2025 | 11/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | Yes |  | 3.30 | Mortgagor Focused |
| xxxxxx | 855700 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/24/2025 | 10/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855701 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/07/2025 | 11/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/18/2025 | 11/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 855707 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2025 | 10/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855709 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/17/2025 | 11/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855714 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/25/2025 | 10/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | No | 3.50 | 2.60 | Property Focused |
| xxxxxx | 855715 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/18/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Mortgagor Focused |
| xxxxxx | 856425 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/05/2025 | 11/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 856426 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 18.840% | xxxxxx | 12/02/2025 | 11/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/11/2025 | 11/11/2025 | Field Review | xxxxxx |  |  | xxxxxx | xxxxxx | 18.840% | xxxxxx | Low | 11/18/2025 | 11/11/2025 | N/A |  | 5.00 | Property Focused |
| xxxxxx | 856427 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/09/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Mortgagor Focused |
| xxxxxx | 856431 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/14/2025 | 11/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 856442 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/08/2025 | 12/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 856449 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/05/2025 | 11/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 856452 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/01/2025 | 11/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 856453 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 856457 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856458 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 10/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 856460 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856461 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/12/2025 | 11/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 25.000% | 11/14/2025 | 11/11/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 856463 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/02/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Mortgagor Focused |
| xxxxxx | 856464 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/18/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/15/2025 | 11/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 856465 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856466 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/27/2025 | 11/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/05/2025 | 10/31/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 856471 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/14/2025 | 11/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 856472 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856473 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 09/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 3.10 | Property Focused |
| xxxxxx | 856476 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/22/2025 | 10/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 856479 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856481 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 856489 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2025 | 10/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856493 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856500 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/19/2025 | 11/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 856501 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/14/2025 | 11/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 857085 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/09/2025 | 11/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 857086 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/21/2025 | 11/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 857090 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/06/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857091 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/06/2025 | 10/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  | 4.60 | Property Focused |
| xxxxxx | 857093 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/18/2025 | 11/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 857100 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 11/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 857102 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/10/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/11/2025 | 09/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  | 4.60 | Property Focused |
| xxxxxx | 857108 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/22/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 857110 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/21/2025 | 11/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857111 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/21/2025 | 11/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/06/2025 | 11/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 857113 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/03/2025 | 11/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Mortgagor Focused |
| xxxxxx | 857116 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/17/2025 | 11/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857117 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857118 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/20/2025 | 11/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857119 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/08/2025 | 11/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 857121 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/22/2025 | 11/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857122 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/25/2025 | 11/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/04/2025 | 11/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 857123 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/03/2025 | 12/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857126 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/14/2025 | 10/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | No | 3.50 | 2.70 | Mortgagor Focused |
| xxxxxx | 857129 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/28/2025 | 11/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857132 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/12/2025 | 11/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 857133 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/13/2025 | 11/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/05/2025 | 11/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 999.00 | Mortgagor Focused |
| xxxxxx | 857601 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/05/2025 | 11/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 3.70 | Property Focused |
| xxxxxx | 857604 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/05/2025 | 11/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857605 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/25/2025 | 11/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 857613 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/16/2025 | 12/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857619 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 857623 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/13/2025 | 12/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 857628 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/13/2025 | 11/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 857632 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/10/2025 | 12/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857635 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857637 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/25/2025 | 11/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857639 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/11/2025 | 12/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Mortgagor Focused |
| xxxxxx | 857640 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/11/2025 | 12/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 857641 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/11/2025 | 11/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 857642 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/10/2025 | 11/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857643 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/24/2025 | 11/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 857644 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/10/2025 | 12/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/17/2025 | 12/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 857645 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/19/2025 | 12/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 2.130% | 12/18/2025 | 11/23/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 857647 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/19/2025 | 12/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857648 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/11/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 857817 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/15/2025 | 11/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/02/2025 | 11/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857818 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/29/2025 | 10/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857819 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/06/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/03/2025 | 10/31/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  | 5.00 | Property Focused |
| xxxxxx | 857820 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/16/2025 | 12/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/19/2025 | 12/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857821 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/18/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/10/2025 | 12/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 3.80 | Property Focused |
| xxxxxx | 857824 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 857828 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/07/2025 | 10/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Mortgagor Focused |
| xxxxxx | 857829 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/02/2025 | 11/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 857830 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/17/2025 | 11/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/02/2025 | 11/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 3.50 | Mortgagor Focused |
| xxxxxx | 857831 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/01/2025 | 12/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857832 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857835 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857841 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/20/2025 | 11/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857842 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/24/2025 | 11/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857843 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/24/2025 | 11/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857846 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/16/2025 | 12/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857847 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/15/2025 | 12/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 7.290% | 12/17/2025 | 12/06/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857848 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/01/2025 | 11/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/15/2025 | 11/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 3.30 | Property Focused |
| xxxxxx | 857850 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 08/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 857855 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/12/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 859174 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/30/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/20/2025 | 12/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  | N/A |  | 4.00 | Mortgagor Focused |
| xxxxxx | 859178 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/04/2025 | 12/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/22/2025 | 12/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 859182 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/06/2026 | 12/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 859184 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/02/2025 | 12/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 859186 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/19/2025 | 12/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Mortgagor Focused |
| xxxxxx | 859192 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/22/2025 | 12/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 859193 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/12/2025 | 12/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 859194 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/05/2025 | 12/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 859197 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 1.150% | xxxxxx | 12/09/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 2.300% | 12/11/2025 | 12/07/2025 | Appraisal | xxxxxx |  |  | xxxxxx | xxxxxx | 2.300% | xxxxxx | Low | 01/07/2026 | 12/07/2025 | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 859198 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/18/2025 | 12/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC SUPPLEMENTAL DATA**

![](tm267306d1_exhibitimg001.jpg)

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller 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** | **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** | **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** | **Scope** |
| xxxxxx | 816365 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $3095.00 | $3697.75 | xxxxxx | 9.232% | $2522.26 | $2522.26 | 9.125% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25679.46 | 1 | xxxxxx | $10466.28 | xxxxxx | $872.19 | xxxxxx |  | $3044.00 |  | Annually | 44.588% | 44.588% | 44.588% | 06/20/2024 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Capital Gains]; Account Statements - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3095.00 | xxxxxx | 6.860% | $0.00 | 1.4 |  |  |  | No | No | 9.125% | 0 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $443443.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $4843.85 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.38 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 837568 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $665.97 | $665.97 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $507.12 | xxxxxx | $42.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/07/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.88 | 0.34 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 97.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 839677 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $4304.00 | $5301.61 |  | 9.097% | $972.24 | $972.24 | 8.625% | No | No | Non-Employment Income | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13067.65 | 1 | xxxxxx | $779.04 | xxxxxx | $64.92 | xxxxxx | xxxxxx | $935.00 |  | Monthly | 21.693% | 21.693% | 21.693% | 06/19/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4304.00 | xxxxxx | 6.830% | $0.00 | 1.9 |  |  |  | N/A | No | 8.625% | 0 | 0 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $41714.86 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.250% | xxxxxx | xxxxxx | $1869.18 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 20.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 842918 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $852.98 | $852.98 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1322.28 | xxxxxx | $110.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.79 | 0.55 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 106.52 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 843272 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2417.89 | $2417.89 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1136.04 | xxxxxx | $94.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/15/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 29.38 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845842 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2827.77 | $2827.77 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1340.04 | xxxxxx | $111.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.3 |  |  |  |  |  |  |  | xxxxxx | $175137.60 | 33.680% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.62 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846161 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $736.88 | $736.88 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1836.36 | xxxxxx | $153.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/11/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.95 | 0.51 |  |  |  |  |  |  |  | xxxxxx | $91013.49 | 58.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.29 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846452 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1081.02 | $1081.02 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1155.00 | xxxxxx | $96.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.08 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847125 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $768.39 | $768.39 | 7.490% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2124.96 | xxxxxx | $177.08 | xxxxxx | xxxxxx | $1680.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/21/2025 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.61 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.17 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 847863 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3066.00 | $3066.00 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3771.00 | xxxxxx | $314.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 120 | xxxxxx | $299266.24 | 40.990% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.83 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848078 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3398.76 | $3398.76 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1140.00 | xxxxxx | $95.00 | xxxxxx | xxxxxx | $354.20 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/14/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 7.62 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848187 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1922.84 | $1922.84 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1137.00 | xxxxxx | $94.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.86 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848648 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4221.75 | $4221.75 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $8351.40 | xxxxxx | $695.95 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $827277.22 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 101.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848680 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7077.89 | $7077.89 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 5 | xxxxxx | $6770.04 | xxxxxx | $564.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $338985.25 | 26.070% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.39 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848711 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2569.31 | $2569.31 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1527.00 | xxxxxx | $127.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $114177.98 | 24.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 4.5 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848992 | xxxxxx |  | N/A |  |  | xxxxxx | No | No | $5505.00 | $8852.20 | xxxxxx | 7.065% | $2437.21 | $2437.21 | 6.875% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $5252.60 | 3 | xxxxxx | $2640.96 | xxxxxx | $220.08 |  |  |  |  |  | 44.676% | 44.676% | 44.676% | 01/27/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5505.00 | xxxxxx | 6.880% | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | 6.875% | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $210466.39 | 39.710% | No | 25 | 25 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 13.54 |  | No | No | xxxxxx | $0.00 | $1600.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 849097 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8269.56 | $8269.56 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3328.44 | xxxxxx | $277.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.45 |  |  |  |  |  |  |  | xxxxxx | $3185474.78 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 278.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 849131 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1053.97 | $1053.97 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1226.04 | xxxxxx | $102.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $26795.42 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 130.18 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 849224 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3822.09 | $3822.09 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1476.96 | xxxxxx | $123.08 | xxxxxx |  | $69.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/23/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.25 |  |  |  |  |  |  |  | xxxxxx | $212814.83 | 29.550% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.46 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 849227 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5383.95 | $5383.95 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $4116.84 | xxxxxx | $343.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/07/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.69 | 1.46 |  |  |  |  |  |  |  | xxxxxx | $95027.96 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 9.35 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849238 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2805.09 | $2805.09 | 6.875% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1590.00 | xxxxxx | $132.50 | xxxxxx |  | $2094.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/13/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 99.91 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849260 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1783.00 | $1783.00 | 7.375% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1747.20 | xxxxxx | $145.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 89.61 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849282 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5701.41 | $5701.41 | 8.499% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 6 | xxxxxx | $5923.08 | xxxxxx | $493.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 792 | 789 | 797 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  | 240 | xxxxxx | $19808.51 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 82.51 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849511 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5292.18 | $5292.18 | 6.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1905.00 | xxxxxx | $158.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $233247.30 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 849629 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3941.08 | $3941.08 | 6.875% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $3878.40 | xxxxxx | $323.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $247494.47 | 30.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.16 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849680 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2383.28 | $2383.28 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1488.96 | xxxxxx | $124.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $126028.82 | 25.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.01 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849717 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4274.27 | $4274.27 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1620.60 | xxxxxx | $135.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $15329.96 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.8 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 850079 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1336.72 | $1336.72 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1092.96 | xxxxxx | $91.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/10/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 23.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850176 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1297.20 | $1297.20 | 6.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2102.88 | xxxxxx | $175.24 | xxxxxx |  | $355.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/08/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 97.59 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850178 | xxxxxx |  | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $17830.00 | $3849.88 | xxxxxx | 6.899% | $5380.25 | $5380.25 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $42835.06 | 1 | xxxxxx | $603.00 | xxxxxx | $50.25 | xxxxxx | xxxxxx | $103.92 |  | Monthly | 34.387% | 34.387% | 34.387% | 09/11/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2016 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17830.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.02 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850325 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $22088.40 | $22088.40 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $12214.44 | xxxxxx | $1017.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  | 240 | xxxxxx | $205152.07 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 7.4 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850422 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2161.13 | $2161.13 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2482.80 | xxxxxx | $206.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/04/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $31728.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.25 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850455 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1982.53 | $1982.53 | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1101.96 | xxxxxx | $91.83 | xxxxxx |  | $90.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/22/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.8 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.24 |  |  |  |  |  |  |  | xxxxxx | $144175.19 | 34.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.46 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 850498 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $908.04 | $908.04 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1124.04 | xxxxxx | $93.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.61 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 114.67 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 850741 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9570.50 | $9570.50 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5764.20 | xxxxxx | $480.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/01/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $539263.06 | 29.540% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.88 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 850852 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1790.71 | $1790.71 | 7.250% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2199.60 | xxxxxx | $183.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $73876.02 | 21.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 39.04 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850895 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3223.55 | $3223.55 | 6.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1597.44 | xxxxxx | $133.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/01/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $422902.02 | 62.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 60.84 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851060 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2465.47 | $2465.47 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $957.96 | xxxxxx | $79.83 | xxxxxx |  | $873.92 |  | Annually | 0.000% | 0.000% | 0.000% | 09/15/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.09 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.35 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851440 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7729.29 | $7729.29 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 8 | xxxxxx | $6652.20 | xxxxxx | $554.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $1012755.27 | 76.430% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.92 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851473 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3018.81 | $3018.81 | 7.000% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1319.04 | xxxxxx | $109.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/28/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  |  |  |  |  | xxxxxx | $170600.00 | 28.190% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.54 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | Property Focused |
| xxxxxx | 851535 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3486.49 | $3486.49 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3328.92 | xxxxxx | $277.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $327409.59 | 47.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 31.85 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851541 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2005.60 | $2005.60 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1190.04 | xxxxxx | $99.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $30788.76 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.8 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 851602 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1083.93 | $1083.93 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $570.60 | xxxxxx | $47.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/26/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.63 |  |  |  |  |  |  |  | xxxxxx | $629307.15 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 165.16 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | Property Focused |
| xxxxxx | 851714 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1031.38 | $1031.38 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $862.80 | xxxxxx | $71.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/31/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.63 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 91.56 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852397 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $28628.00 | $34036.06 | xxxxxx | 7.760% | $5912.18 | $5912.18 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32297.92 | 1 | xxxxxx | $1355.04 | xxxxxx | $112.92 |  |  |  |  |  | 39.224% | 39.224% | 39.224% | 09/30/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28628.00 | xxxxxx | 6.310% | $45000.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $234910.70 | 21.950% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.27 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 852403 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $61449.97 | $20601.88 | xxxxxx | 7.328% | $13643.52 | $13643.52 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $38592.74 | 1 | xxxxxx | $4313.52 | xxxxxx | $359.46 |  |  |  |  |  | 46.544% | 46.544% | 46.544% | 10/02/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $61449.97 | xxxxxx | 6.290% | $0.00 | 3 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No | xxxxxx | $72194.99 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |  | Mortgagor Focused |
| xxxxxx | 852415 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $19434.00 | $6534.70 | xxxxxx | 7.393% | $6210.55 | $6210.55 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $37049.31 | 1 | xxxxxx | $3101.04 | xxxxxx | $258.42 | xxxxxx | xxxxxx | $24.00 |  | Monthly | 26.243% | 26.243% | 26.243% | 10/02/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2016 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19434.00 | xxxxxx | 6.290% | $18085.05 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $11240.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.21 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852486 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $1450.00 | $2820.98 | xxxxxx | 8.467% | $2128.20 | $2128.20 | 8.375% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9807.88 | 1 | xxxxxx | $1893.96 | xxxxxx | $157.83 |  |  |  |  |  | 49.994% | 49.994% | 49.994% | 10/13/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1450.00 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 1 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $228355.04 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $3335.74 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 30.96 |  | No | No | xxxxxx | $0.00 | $11107.95 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 852709 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $10647.72 | $10647.72 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3045.96 | xxxxxx | $253.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.06 |  |  |  |  |  |  |  | xxxxxx | $94591.31 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.46 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852740 | xxxxxx |  | N/A |  |  | xxxxxx | No | No | $9150.00 | $11311.15 |  | 7.017% | $5058.35 | $5058.35 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $34292.08 | 2 | xxxxxx | $1296.00 | xxxxxx | $108.00 |  |  |  |  |  | 26.790% | 26.790% | 26.790% | 09/29/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9150.00 |  | 6.160% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.96 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852742 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4540.19 | $4540.19 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1530.24 | xxxxxx | $127.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/01/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.8 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853554 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $40032.50 | $7948.04 | xxxxxx | 6.918% | $9216.71 | $9216.71 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $46959.71 | 1 | xxxxxx | $9573.00 | xxxxxx | $797.75 |  |  |  |  |  | 20.462% | 20.462% | 20.462% | 10/29/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $40032.50 | xxxxxx | 6.260% | $0.00 | 3.8 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $52637.22 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 48.89 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 853728 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $13875.00 | $5305.89 | xxxxxx | 7.064% | $3858.75 | $3858.75 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8569.27 | 1 | xxxxxx | $2172.00 | xxxxxx | $181.00 | xxxxxx | xxxxxx | $344.00 |  | Monthly | 40.192% | 40.192% | 40.192% | 08/19/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13875.00 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $113920.07 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.02 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 853733 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4611.06 | $4611.06 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $518.04 | xxxxxx | $43.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 133.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853734 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4877.08 | $4877.08 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $779.04 | xxxxxx | $64.92 | xxxxxx | xxxxxx | $74.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/08/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.54 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 118.32 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853741 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3317.47 | $3317.47 | 7.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2463.00 | xxxxxx | $205.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.22 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 853743 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4669.64 | $4669.64 | 7.990% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $5064.72 | xxxxxx | $422.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.11 |  |  |  |  |  |  |  | xxxxxx | $11224.99 | 1.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.56 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | 1 | Property Focused |
| xxxxxx | 853788 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $10759.94 | $10759.94 | 8.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $5388.48 | xxxxxx | $449.04 | xxxxxx |  | $8664.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/25/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.44 | 2.3 |  |  |  |  |  |  |  | xxxxxx | $374975.80 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 27.21 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853791 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3303.79 | $3303.79 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $2928.60 | xxxxxx | $244.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | xxxxxx | $8251.51 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 39.47 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853793 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1616.92 | $1616.92 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3417.24 | xxxxxx | $284.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.59 |  |  |  |  |  |  |  | xxxxxx | $2999.99 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 18.02 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854204 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $20707.50 | $29729.00 | xxxxxx | 6.949% | $16258.99 | $16258.99 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $51708.19 | 1 | xxxxxx | $3036.84 | xxxxxx | $253.07 |  |  |  |  |  | 38.443% | 38.443% | 38.443% | 09/18/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20707.50 | xxxxxx | 6.160% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 53 |  | No | No | xxxxxx | $42000.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 854398 | xxxxxx |  | N/A |  | Yes | xxxxxx | No | No | $40866.00 | $13779.29 | xxxxxx | 7.878% | $3935.33 | $3935.33 | 7.625% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $5689.45 | 1 | xxxxxx | $3177.96 | xxxxxx | $264.83 |  |  |  |  |  | 42.036% | 42.036% | 42.036% | 10/01/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 49.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $40866.00 | xxxxxx | 6.570% | $0.00 | 1.3 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $223004.47 | 32.080% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 9.89 |  | No | Yes | xxxxxx | $9815.49 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 854400 | xxxxxx |  | N/A |  | Yes | xxxxxx | No | No | $15057.50 | $7346.93 | xxxxxx | 9.098% | $1361.13 | $1361.13 | 8.625% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $14845.95 | 1 | xxxxxx | $1337.28 | xxxxxx | $111.44 | xxxxxx | xxxxxx | $816.00 |  | Monthly | 39.408% | 39.408% | 39.408% |  | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | Chapter 13 | xxxxxx | xxxxxx | 1 |  | 12.12 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15057.50 | xxxxxx | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 1 | 1 | 0 | 0 | 0 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $145455.60 | 54.880% | No | 27 | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.95 |  | No | Yes | xxxxxx | $5614.89 | $6714.80 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 854425 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $11720.01 | $13492.11 | xxxxxx | 7.033% | $1599.92 | $1599.92 | 6.500% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3080.43 | 1 | xxxxxx | $1128.96 | xxxxxx | $94.08 | xxxxxx | xxxxxx | $1206.00 |  | Monthly | 52.163% | 52.163% | 52.163% | 10/17/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11720.01 | xxxxxx | 6.160% | $0.00 | 2.9 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $377824.31 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.96 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854498 | xxxxxx |  | N/A |  |  | xxxxxx | No | No | $1590.00 | $2413.34 | xxxxxx | 6.995% | $1248.16 | $1248.16 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23713.43 | 1 | xxxxxx | $1287.48 | xxxxxx | $107.29 | xxxxxx | xxxxxx | $75.00 |  | Annually | 16.915% | 16.915% | 16.915% | 08/04/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1590.00 | xxxxxx | 6.750% | $7125.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $114491.99 | 48.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.16 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 854689 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1297.37 | $1297.37 | 7.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1231.08 | xxxxxx | $102.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 119.68 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854693 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $20027.50 | $14509.72 | xxxxxx | 6.673% | $2676.13 | $2676.13 | 6.374% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8207.26 | 1 | xxxxxx | $3338.04 | xxxxxx | $278.17 |  |  |  |  |  | 40.724% | 40.724% | 40.724% | 10/26/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20027.50 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1143362.20 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 854696 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1594.71 | $1594.71 | 7.874% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1001.04 | xxxxxx | $83.42 | xxxxxx | xxxxxx | $185.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/11/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.01 |  |  |  |  |  |  |  | xxxxxx | $103856.46 | 35.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 11.21 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854700 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3196.87 | $3196.87 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1679.04 | xxxxxx | $139.92 | xxxxxx | xxxxxx | $6522.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/09/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $477722.67 | 76.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 64.49 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854705 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $13575.00 | $7090.38 | xxxxxx | 7.578% | $2099.45 | $2099.45 | 7.374% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7813.68 | 1 | xxxxxx | $3052.20 | xxxxxx | $254.35 | xxxxxx |  | $435.00 |  | Monthly | 37.507% | 37.507% | 37.507% | 10/23/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13575.00 | xxxxxx | 6.170% | $0.00 | 2.7 |  |  |  | N/A | No | 7.374% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $110289.42 | 29.020% | No | 1 | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.4 |  | No | No | xxxxxx | $0.00 | $4549.23 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854713 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9174.52 | $9174.52 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $6575.04 | xxxxxx | $547.92 | xxxxxx | xxxxxx | $267.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/27/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.55 |  |  |  |  |  |  | 240 | xxxxxx | $2093674.77 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 127.23 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 855197 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1175.87 | $1175.87 | 6.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1340.04 | xxxxxx | $111.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/10/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.55 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 14.7 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855199 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $717.38 | $717.38 | 6.374% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $1002.96 | xxxxxx | $83.58 | xxxxxx | xxxxxx | $530.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/14/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $114266.80 | 49.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | 10.2 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855201 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2093.22 | $2093.22 | 6.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1217.04 | xxxxxx | $101.42 | xxxxxx | xxxxxx | $1600.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/14/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $461059.91 | 83.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 79.38 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855212 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5617.50 | $5617.50 | 7.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2512.68 | xxxxxx | $209.39 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  | 240 | xxxxxx | $34230.13 | 2.850% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.99 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855218 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2689.03 | $2689.03 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $744.00 | xxxxxx | $62.00 | xxxxxx | xxxxxx | $0.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/05/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.8 | 0.55 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 53.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 5 | Property Focused |
| xxxxxx | 855219 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2273.08 | $2273.08 | 6.490% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $507.96 | xxxxxx | $42.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.06 | 0.48 |  |  |  |  |  |  |  | xxxxxx | $241068.68 | 53.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 51.43 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 5 | Property Focused |
| xxxxxx | 855681 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3148.21 | $3148.21 | 6.490% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $1804.20 | xxxxxx | $150.35 | xxxxxx | xxxxxx | $1208.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/29/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $799702.12 | 96.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 86.41 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855682 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1963.32 | $1963.32 | 6.990% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1467.00 | xxxxxx | $122.25 | xxxxxx | xxxxxx | $450.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/14/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 90.11 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855684 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3883.99 | $3883.99 | 7.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3577.68 | xxxxxx | $298.14 | xxxxxx | xxxxxx | $250.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/23/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | xxxxxx | $2372.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 4.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855688 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9631.84 | $9631.84 | 7.874% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2955.00 | xxxxxx | $246.25 | xxxxxx | xxxxxx | $961.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.57 |  |  |  |  |  |  |  | xxxxxx | $1912212.60 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 855694 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4827.94 | $4827.94 | 6.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2106.96 | xxxxxx | $175.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 20.96 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855695 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $10695.00 | $10610.52 | xxxxxx | 7.407% | $4856.62 | $4856.62 | 7.249% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12930.55 | 1 | xxxxxx | $1638.00 | xxxxxx | $136.50 |  |  |  |  |  | 37.700% | 37.700% | 37.700% | 09/12/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10695.00 | xxxxxx | 6.160% | $0.00 | 3.3 |  |  |  | Yes | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 4.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855700 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1103.53 | $1103.53 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $683.04 | xxxxxx | $56.92 | xxxxxx |  | $753.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/30/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1 |  |  |  |  |  |  |  | xxxxxx | $20028.13 | 8.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.39 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855701 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2610.34 | $2610.34 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4835.04 | xxxxxx | $402.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.31 |  |  |  |  |  |  |  | xxxxxx | $17250.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 144.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855707 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3563.48 | $3563.48 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1302.00 | xxxxxx | $108.50 | xxxxxx |  | $395.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/05/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.71 | 1.41 |  |  |  |  |  |  |  | xxxxxx | $157644.34 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 58.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 5 | Property Focused |
| xxxxxx | 855709 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1930.54 | $1930.54 | 7.749% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1536.96 | xxxxxx | $128.08 | xxxxxx | xxxxxx | $285.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $80053.46 | 20.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.38 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855714 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2364.95 | $2364.95 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1509.96 | xxxxxx | $125.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.11 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 18.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855715 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $14051.25 | $1379.58 | xxxxxx | 6.627% | $1696.65 | $1696.65 | 6.624% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6466.44 | 1 | xxxxxx | $2025.48 | xxxxxx | $168.79 |  |  |  |  |  | 44.283% | 44.283% | 44.283% | 11/06/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 6 | Personal | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14051.25 | xxxxxx | 6.230% | $15000.00 | 1.8 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $28010.80 | 5.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.32 |  | No | No |  | $11605.90 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 856425 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1592.54 | $1592.54 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1559.04 | xxxxxx | $129.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/10/2025 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $91715.29 | 30.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.84 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 856426 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1567.99 | $1567.99 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2460.00 | xxxxxx | $205.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 112.52 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 856427 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $13595.00 | $16659.46 | xxxxxx | 7.182% | $5151.58 | $5151.58 | 6.999% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10781.50 | 1 | xxxxxx | $2763.84 | xxxxxx | $230.32 | xxxxxx | xxxxxx | $950.00 |  | Annually | 49.499% | 49.499% | 49.499% | 11/25/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13595.00 | xxxxxx | 6.190% | $0.00 | 2.2 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $85991.72 | 8.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.75 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 856431 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $12235.00 | $4898.25 | xxxxxx | 7.630% | $2125.61 | $2125.61 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $8682.64 | 1 | xxxxxx | $2277.00 | xxxxxx | $189.75 |  |  |  |  |  | 24.715% | 24.715% | 24.715% | 10/30/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12235.00 | xxxxxx | 6.190% | $11400.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $65126.78 | 17.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 8.84 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 856442 | xxxxxx |  | N/A |  | Yes | xxxxxx | No | No | $32684.69 | $13498.86 | xxxxxx | 7.152% | $2875.71 | $2875.71 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $23523.44 | 1 | xxxxxx | $1545.48 | xxxxxx | $128.79 |  |  |  |  |  | 34.176% | 34.176% | 34.176% | 11/29/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $32684.69 | xxxxxx | 6.190% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $64804.46 | 12.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 37.7 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 856449 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $8170.00 | $10289.78 | xxxxxx | 7.216% | $2694.20 | $2694.20 | 6.999% | No | Yes | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4529.66 | 1 | xxxxxx | $1427.64 | xxxxxx | $118.97 | xxxxxx | xxxxxx | $500.00 |  | Annually | 47.744% | 47.744% | 47.744% | 10/22/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8170.00 | xxxxxx | 6.190% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 1 | 1 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $411476.52 | 50.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 17.3 |  |  | No | xxxxxx | $401.50 | $6066.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 856452 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $13315.00 | $0.00 | xxxxxx | 6.982% | $3898.28 | $3898.28 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23492.41 | 1 | xxxxxx | $1914.00 | xxxxxx | $159.50 | xxxxxx | xxxxxx | $300.00 |  | Annually | 22.503% | 22.503% | 22.503% | 11/04/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.330% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13315.00 | xxxxxx | 6.270% | $12888.16 | 1.5 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $363459.37 | 43.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.69 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 856453 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $9911.88 | $11756.78 | xxxxxx | 7.667% | $1816.29 | $1816.29 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3384.01 | 1 | xxxxxx | $874.44 | xxxxxx | $72.87 | xxxxxx | xxxxxx | $848.00 |  | Monthly | 46.392% | 46.392% | 46.392% | 09/16/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9911.88 | xxxxxx | 6.260% | $96000.00 | 1.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3547.17 | 0.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 856457 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1636.48 | $1636.48 | 6.999% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $891.60 | xxxxxx | $74.30 | xxxxxx | xxxxxx | $1200.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.61 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 856458 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $8695.00 | $11293.17 | xxxxxx | 7.807% | $2310.20 | $2310.20 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4666.96 | 1 | xxxxxx | $3459.00 | xxxxxx | $288.25 | xxxxxx | xxxxxx | $2400.00 |  | Annually | 40.817% | 40.817% | 40.817% | 10/09/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8695.00 | xxxxxx | 6.190% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 2 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $53120.12 | 12.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 3.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 856460 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1036.85 | $1036.85 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $969.60 | xxxxxx | $80.80 | xxxxxx | xxxxxx | $400.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/11/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $78795.56 | 38.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 856461 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6970.94 | $6970.94 | 8.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 6 | xxxxxx | $5886.48 | xxxxxx | $490.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $346268.90 | 28.970% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.98 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 856463 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $14733.75 | $8349.49 | xxxxxx | 8.358% | $2312.88 | $2312.88 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17780.53 | 1 | xxxxxx | $2174.76 | xxxxxx | $181.23 | xxxxxx | xxxxxx | $32.00 |  | Monthly | 26.658% | 26.658% | 26.658% | 10/02/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14733.75 | xxxxxx | 6.170% | $0.00 | 1.4 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | Yes |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 89.75 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 856464 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $8889.00 | $12360.34 | xxxxxx | 6.967% | $6457.61 | $6457.61 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10897.57 | 1 | xxxxxx | $3524.04 | xxxxxx | $293.67 |  |  |  |  |  | 46.578% | 46.578% | 46.578% | 10/27/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8889.00 | xxxxxx | 6.260% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $28376.71 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.73 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 856465 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2918.69 | $2918.69 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3431.04 | xxxxxx | $285.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $207611.63 | 23.060% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.33 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 856466 | xxxxxx |  | N/A |  | Yes | xxxxxx | No | No | $36244.38 | $20362.61 | xxxxxx | 7.189% | $2710.49 | $2710.49 | 6.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $24513.53 | 1 | xxxxxx | $1372.32 | xxxxxx | $114.36 | xxxxxx | xxxxxx | $844.00 |  | Monthly | 32.726% | 32.726% | 32.726% | 10/22/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $36244.38 | xxxxxx | 6.260% | $0.00 | 1.5 |  |  |  | N/A | No | 6.750% | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $258484.58 | 43.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 19.39 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 856471 | xxxxxx |  | N/A |  | Yes | xxxxxx | No | No | $53243.00 | $27383.42 | xxxxxx | 7.277% | $3999.38 | $3999.38 | 6.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $14229.87 | 1 | xxxxxx | $1181.04 | xxxxxx | $98.42 |  |  |  |  |  | 46.761% | 46.761% | 46.761% | 10/15/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; Account Transcripts - 2023<br> [Coborrower]; Account Transcripts - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $53243.00 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 2 | 2 | 0 | 0 | 0 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $301381.80 | 39.600% | No | 21 | 23 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 32.35 |  | No | No |  | $0.00 | $17030.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 856472 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3944.15 | $3944.15 | 8.250% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1749.60 | xxxxxx | $145.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 16.76 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 856473 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8987.76 | $8987.76 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $10142.28 | xxxxxx | $845.19 | xxxxxx | xxxxxx | $2600.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/18/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15.65 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 856476 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7190.21 | $7190.21 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1704.00 | xxxxxx | $142.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.59 | 1.69 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 856479 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2657.89 | $2657.89 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2175.00 | xxxxxx | $181.25 | xxxxxx | xxxxxx | $648.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/19/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 856481 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $7995.00 | $9063.13 | xxxxxx | 8.975% | $1537.83 | $1537.83 | 8.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $9196.09 | 1 | xxxxxx | $1916.76 | xxxxxx | $159.73 |  |  |  |  |  | 30.281% | 30.281% | 30.281% | 09/08/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7995.00 | xxxxxx | 6.160% | $9000.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $17135.01 | 5.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 856489 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1039.47 | $1039.47 | 7.375% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $635.04 | xxxxxx | $52.92 | xxxxxx | xxxxxx | $283.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $3000.00 | 1.390% | Yes |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.25 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | Property Focused |
| xxxxxx | 856493 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1122.58 | $1122.58 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1052.04 | xxxxxx | $87.67 | xxxxxx | xxxxxx | $505.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/06/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $95141.92 | 42.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 66.99 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 856500 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1303.86 | $1303.86 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $855.96 | xxxxxx | $71.33 | xxxxxx | xxxxxx | $360.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/05/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $82287.99 | 29.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 43.36 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 856501 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1914.18 | $1914.18 | 7.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1199.76 | xxxxxx | $99.98 | xxxxxx | xxxxxx | $550.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/06/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $14900.85 | 4.510% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 857085 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $8320.00 | $5518.19 | xxxxxx | 6.912% | $4286.02 | $4286.02 | 6.874% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26980.64 | 1 | xxxxxx | $3002.04 | xxxxxx | $250.17 | xxxxxx | xxxxxx | $495.00 |  | Monthly | 19.336% | 19.336% | 19.336% | 10/21/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8320.00 | xxxxxx | 6.240% | $0.00 | 1.1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.57 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857086 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2644.45 | $2644.45 | 7.249% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5191.08 | xxxxxx | $432.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.7 | 1.44 |  |  |  |  |  |  |  | xxxxxx | $529285.16 | 88.740% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 79.47 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 857090 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2475.67 | $2475.67 | 7.124% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2571.96 | xxxxxx | $214.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/13/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.22 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 17.72 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857091 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2283.68 | $2283.68 | 7.124% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1470.00 | xxxxxx | $122.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/13/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.02 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.76 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857093 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4011.52 | $4011.52 | 7.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1233.00 | xxxxxx | $102.75 | xxxxxx | xxxxxx | $735.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/15/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.09 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.86 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 857100 | xxxxxx |  | N/A |  |  | xxxxxx | No | No | $25315.00 | $12993.14 | xxxxxx | 6.772% | $1833.99 | $1833.99 | 6.374% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13635.38 | 1 | xxxxxx | $339.00 | xxxxxx | $28.25 | xxxxxx | xxxxxx | $468.00 |  | Monthly | 30.156% | 30.156% | 30.156% | 10/24/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25315.00 | xxxxxx | 6.230% | $0.00 | 1.1 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $162363.11 | 38.650% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.61 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 857102 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2731.48 | $2731.48 | 6.490% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1666.92 | xxxxxx | $138.91 | xxxxxx | xxxxxx | $1086.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.05 |  |  |  |  |  |  |  | xxxxxx | $288400.00 | 40.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.94 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 857108 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $5960.00 | $7750.88 | xxxxxx | 8.086% | $2370.75 | $2370.75 | 7.874% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4864.00 | 1 | xxxxxx | $2066.76 | xxxxxx | $172.23 |  |  |  |  |  | 47.579% | 47.579% | 47.579% | 09/23/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $5960.00 | xxxxxx | 6.240% | $0.00 | 1.3 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $17351.57 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 2.33 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857110 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $12863.75 | $4654.57 | xxxxxx | 7.080% | $2558.83 | $2558.83 | 6.990% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | xxxxxx |  |  |  |  |  |  | $15362.47 | 1 | xxxxxx | $1658.16 | xxxxxx | $138.18 | xxxxxx | xxxxxx | $287.00 |  | Monthly | 26.946% | 26.946% | 26.946% | 11/05/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023 |  | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12863.75 | xxxxxx | 6.230% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $530950.41 | 77.510% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 58.12 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857111 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $9250.00 | $11732.51 | xxxxxx | 7.467% | $2155.69 | $2155.69 | 7.124% | No | No | Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | xxxxxx |  |  | xxxxxx |  |  |  | $3056.45 | 1 | xxxxxx | $1588.92 | xxxxxx | $132.41 |  |  |  |  |  | 48.618% | 48.618% | 48.618% | 11/12/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9250.00 | xxxxxx | 6.260% | $0.00 | 2.6 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $79327.47 | 19.830% | No | 34 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Passport |  |  |  |  | 14.15 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 857113 | xxxxxx |  | N/A |  |  | xxxxxx | No | No | $14165.00 | $18207.17 | xxxxxx | 7.827% | $3562.50 | $3562.50 | 7.490% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $42705.42 | 1 | xxxxxx | $1571.40 | xxxxxx | $130.95 |  |  |  |  |  | 11.618% | 11.618% | 11.618% | 10/29/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $14165.00 | xxxxxx | 6.260% | $0.00 | 2 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $7000.00 | 0.980% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 9.47 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857116 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $9046.04 | $10364.80 | xxxxxx | 8.131% | $1456.50 | $1456.50 | 7.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6795.84 | 1 | xxxxxx | $1644.96 | xxxxxx | $137.08 | xxxxxx | xxxxxx | $400.00 |  | Annually | 22.500% | 22.500% | 22.500% | 10/23/2025 | 625 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | xxxxxx | xxxxxx | $9046.04 | xxxxxx | 6.170% | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.87 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857117 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $11035.00 | $3093.28 | xxxxxx | 7.182% | $2371.26 | $2371.26 | 7.124% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $21913.38 | 1 | xxxxxx | $1089.00 | xxxxxx | $90.75 | xxxxxx |  | $169.00 |  | Monthly | 12.189% | 12.189% | 12.189% | 10/31/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.79000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.79000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.79000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.79000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.79000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11035.00 | xxxxxx | 6.190% | $7500.00 | 1 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $146426.79 | 33.270% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 18.21 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857118 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $5920.00 | $8143.69 | xxxxxx | 7.438% | $1140.46 | $1140.46 | 6.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4319.58 | 1 | xxxxxx | $3165.00 | xxxxxx | $263.75 |  |  |  |  |  | 48.668% | 48.668% | 48.668% | 11/04/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $5920.00 | xxxxxx | 5.770% | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857119 | xxxxxx |  | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6332.50 | $6744.88 | xxxxxx | 6.493% | $2830.52 | $2830.52 | 6.374% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $44650.30 | 1 | xxxxxx | $2109.96 | xxxxxx | $175.83 | xxxxxx | xxxxxx | $92.00 |  | Monthly | 30.555% | 30.555% | 30.555% |  | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6332.50 | xxxxxx | 6.230% | $20000.00 | 1.3 |  |  |  | N/A | No | 6.374% | 2 | 2 | 2 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1789402.58 | 100.000% | No | 33 | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 499.19 |  | No | No | xxxxxx | $0.00 | $23879.16 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | Mortgagor Focused |
| xxxxxx | 857121 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $11220.00 | $8078.81 | xxxxxx | 8.750% | $2316.91 | $2316.91 | 8.490% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $12237.22 | 1 | xxxxxx | $1785.96 | xxxxxx | $148.83 |  |  |  |  |  | 18.824% | 18.824% | 18.824% | 11/13/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11220.00 | xxxxxx | 6.230% | $5000.00 | 1 |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $110053.53 | 29.190% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 8.87 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857122 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $14567.95 | $3960.95 | xxxxxx | 6.352% | $1850.29 | $1850.29 | 6.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19963.56 | 1 | xxxxxx | $799.44 | xxxxxx | $66.62 | xxxxxx | xxxxxx | $160.00 |  | Annually | 18.913% | 18.913% | 18.913% | 10/27/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14567.95 | xxxxxx | 6.220% | $22540.50 | 2.6 |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $86703.34 | 23.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 137.74 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857123 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2557.91 | $2557.91 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $563.76 | xxxxxx | $46.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/08/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | xxxxxx | $714905.50 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 192.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857126 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $12887.50 | $14485.43 | xxxxxx | 7.388% | $2319.57 | $2319.57 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5517.30 | 1 | xxxxxx | $2389.92 | xxxxxx | $199.16 |  |  |  |  |  | 35.798% | 35.798% | 35.798% | 12/11/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12887.50 | xxxxxx | 6.260% | $0.00 | 2.7 |  |  |  | No | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857129 | xxxxxx |  | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11508.75 | $15134.55 | xxxxxx | 6.226% | $7062.73 | $7062.73 | 6.124% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20202.77 | 1 | xxxxxx | $1773.00 | xxxxxx | $147.75 | xxxxxx | xxxxxx | $147.00 |  | Monthly | 49.983% | 49.983% | 49.983% | 11/10/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2017<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2017<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2012 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11508.75 | xxxxxx | 6.190% | $0.00 | 1 |  |  |  | N/A | No | 6.124% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.57 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 857132 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4123.51 | $4123.51 | 7.990% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2257.32 | xxxxxx | $188.11 | xxxxxx | xxxxxx | $75.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/18/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.57 |  |  |  |  |  |  |  | xxxxxx | $244291.95 | 32.570% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 9.73 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857133 | xxxxxx |  | N/A |  |  | xxxxxx | No | No | $28768.24 | $12020.07 | xxxxxx | 7.411% | $2635.33 | $2635.33 | 7.124% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5372.69 | 1 | xxxxxx | $510.84 | xxxxxx | $42.57 | xxxxxx | xxxxxx | $525.00 |  | Monthly | 32.040% | 32.040% | 32.040% |  | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $28768.24 | xxxxxx | 6.190% | $0.00 | 999 |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $692673.46 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 193.24 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857601 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $808.21 | $808.21 | 7.990% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $625.92 | xxxxxx | $52.16 | xxxxxx | xxxxxx | $938.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/13/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.01 |  |  |  |  |  |  |  | xxxxxx | $122516.90 | 83.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 37.51 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 857604 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3104.66 | $3104.66 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5179.92 | xxxxxx | $431.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/06/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.32 |  |  |  |  |  |  |  | xxxxxx | $343353.09 | 46.390% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxxxx | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.25 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857605 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2335.50 | $2335.50 | 7.624% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3237.96 | xxxxxx | $269.83 | xxxxxx | xxxxxx | $1500.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/19/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.17 |  |  |  |  |  |  |  | xxxxxx | $151380.27 | 34.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 7.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857613 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2129.05 | $2129.05 | 7.990% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3320.04 | xxxxxx | $276.67 | xxxxxx | xxxxxx | $159.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.03 |  |  |  |  |  |  |  | xxxxxx | $9000.00 | 2.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 857619 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1534.74 | $1534.74 | 7.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1104.00 | xxxxxx | $92.00 | xxxxxx | xxxxxx | $333.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/19/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $102785.39 | 34.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.41 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857623 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1541.95 | $1541.95 | 6.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2726.04 | xxxxxx | $227.17 | xxxxxx | xxxxxx | $810.00 |  | Annually | 0.000% | 0.000% | 0.000% |  | 784 | 799 | 781 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1 |  |  |  |  |  |  |  | xxxxxx | $282354.24 | 97.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 136.58 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857628 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2687.29 | $2687.29 | 6.490% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1779.48 | xxxxxx | $148.29 | xxxxxx | xxxxxx | $844.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/03/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.2 |  |  |  |  |  |  |  | xxxxxx | $300233.73 | 49.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 35.74 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857632 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2561.76 | $2561.76 | 6.874% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2448.96 | xxxxxx | $204.08 | xxxxxx | xxxxxx | $650.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx | $31172.71 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857635 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1935.80 | $1935.80 | 6.374% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $266.04 | xxxxxx | $22.17 | xxxxxx | xxxxxx | $424.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/27/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.21 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 80.69 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857637 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $10895.00 | $11981.56 | xxxxxx | 8.468% | $1905.98 | $1905.98 | 7.990% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $7536.90 | 1 | xxxxxx | $1305.60 | xxxxxx | $108.80 |  |  |  |  |  | 26.195% | 26.195% | 26.195% | 10/29/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10895.00 | xxxxxx | 6.220% | $1000.00 | 1 |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $90224.50 | 27.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.03 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857638 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $8215.00 | $10565.30 | xxxxxx | 8.894% | $3328.64 | $3328.64 | 8.624% | No | No | Employed | Employed | Employed |  | 2.65 |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Permanent Resident Alien |  | xxxxxx | xxxxxx |  |  | $10000.69 | 1 | xxxxxx | $1525.44 | xxxxxx | $127.12 |  |  |  |  |  | 29.903% | 29.903% | 29.903% | 11/07/2025 | 655 | 649 | 655 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8215.00 | xxxxxx | 6.190% | $0.00 | 1 |  |  |  | N/A | No | 8.624% | 1 | 2 | 1 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $169504.32 | 31.680% | No | 5 |  | 20 |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  | Employment Authorization, Passport | Employment Authorization, VISA | Resident Alien Card |  |  | 10.96 |  |  | No | xxxxxx | $0.00 | $10156.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857639 | xxxxxx |  | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12341.65 | $15674.06 | xxxxxx | 6.576% | $4386.03 | $4386.03 | 6.374% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21808.31 | 1 | xxxxxx | $1866.96 | xxxxxx | $155.58 |  |  |  |  |  | 20.015% | 20.015% | 20.015% | 10/02/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12341.65 | xxxxxx | 6.270% | $5000.00 | 2.1 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $178435.07 | 20.300% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.99 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857640 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $19795.00 | $4654.26 | xxxxxx | 7.520% | $5617.50 | $6286.77 | 7.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20964.17 | 1 | xxxxxx | $3486.48 | xxxxxx | $290.54 | xxxxxx | xxxxxx | $75.00 |  | Annually | 30.171% | 27.942% | 30.171% | 11/17/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19795.00 | xxxxxx | 6.260% | $0.00 | 1.9 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  | 360 | xxxxxx | $64219.92 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.44 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857641 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $26995.00 | $29689.30 | xxxxxx | 7.855% | $5867.65 | $5867.65 | 7.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14105.96 | 1 | xxxxxx | $3699.36 | xxxxxx | $308.28 | xxxxxx | xxxxxx | $2872.00 |  | Annually | 44.111% | 44.111% | 44.111% | 11/17/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $26995.00 | xxxxxx | 6.220% | $0.00 | 1.6 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 25.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.16 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 857642 | xxxxxx |  | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $18385.00 | $18197.09 | xxxxxx | 7.062% | $6227.05 | $6227.05 | 6.874% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6696.80 | 1 | xxxxxx | $2007.00 | xxxxxx | $167.25 |  |  |  |  |  | 53.942% | 53.942% | 53.942% | 11/09/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Business | 57.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $18385.00 | xxxxxx | 6.270% | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $420906.43 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 56.44 |  |  | No | xxxxxx | $1212.65 | $1286.11 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857643 | xxxxxx |  | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10895.00 | $2801.01 | xxxxxx | 6.908% | $4781.96 | $4781.96 | 6.874% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10841.53 | 1 | xxxxxx | $2161.08 | xxxxxx | $180.09 |  |  |  |  |  | 40.086% | 40.086% | 40.086% | 10/23/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10895.00 | xxxxxx | 6.270% | $0.00 | 1.6 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $30389.79 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 5.23 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857644 | xxxxxx |  | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $21770.00 | $2825.07 | xxxxxx | 8.134% | $14829.99 | $14829.99 | 8.124% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19863.09 | 1 | xxxxxx | $6834.00 | xxxxxx | $569.50 |  |  |  |  |  | 49.860% | 49.860% | 49.860% | 12/09/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $21770.00 | xxxxxx | 6.270% | $0.00 |  |  |  |  | N/A | No | 8.124% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | No |  |  |  | xxxxxx | $23650.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.39 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857645 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $25765.00 | $27745.61 | xxxxxx | 6.968% | $5115.56 | $5115.56 | 6.624% | No | No | Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $18282.10 | 1 | xxxxxx | $3518.88 | xxxxxx | $293.24 |  |  |  |  |  | 30.537% | 30.537% | 30.537% | 11/10/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $25765.00 | xxxxxx | 6.190% | $170723.00 | 1.3 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $77857.07 | 8.280% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 36.59 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857647 | xxxxxx |  | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1795.00 | $2922.21 | xxxxxx | 6.827% | $2269.87 | $2269.87 | 6.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3246.91 | 1 | xxxxxx | $1367.04 | xxxxxx | $113.92 | xxxxxx | xxxxxx | $96.00 |  | Monthly | 45.215% | 45.215% | 45.215% | 11/19/2025 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $1795.00 | xxxxxx | 6.270% | $500.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $100564.90 | 13.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.76 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857648 | xxxxxx |  | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $19050.00 | $19737.75 | xxxxxx | 6.684% | $6225.71 | $6225.71 | 6.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31664.53 | 1 | xxxxxx | $2574.96 | xxxxxx | $214.58 | xxxxxx |  | $90.00 |  | Monthly | 25.118% | 25.118% | 25.118% | 12/17/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19050.00 | xxxxxx | 6.220% | $0.00 | 2.5 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.18 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 857817 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5836.81 | $5836.81 | 7.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2125.20 | xxxxxx | $177.10 | xxxxxx | xxxxxx | $2100.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/28/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.57 | 1.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.2 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 857818 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5197.48 | $5197.48 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $3707.04 | xxxxxx | $308.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 857819 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8596.95 | $8596.95 | 7.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3058.32 | xxxxxx | $254.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $220064.41 | 14.670% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 0.96 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857820 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1675.17 | $1675.17 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1605.00 | xxxxxx | $133.75 | xxxxxx | xxxxxx | $2264.00 |  | Annually | 0.000% | 0.000% | 0.000% | 12/10/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $116576.17 | 34.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857821 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6832.06 | $6832.06 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $9639.96 | xxxxxx | $803.33 | xxxxxx | xxxxxx | $600.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/24/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.8 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $561253.57 | 43.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 33.19 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857824 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $5751.25 | $7973.98 | xxxxxx | 7.126% | $3159.87 | $3159.87 | 6.999% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6028.89 | 1 | xxxxxx | $6693.96 | xxxxxx | $557.83 | xxxxxx | xxxxxx | $1400.00 |  | Annually | 52.158% | 52.158% | 52.158% | 10/07/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $5751.25 | xxxxxx | 6.260% | $0.00 | 1.5 |  |  |  | N/A | No | 6.999% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $106415.06 |  | No | 22 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857828 | xxxxxx |  | N/A |  | Yes | xxxxxx | No | No | $78390.00 | $39394.17 | xxxxxx | 7.334% | $5518.20 | $5518.20 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25288.32 | 1 | xxxxxx | $6986.04 | xxxxxx | $582.17 |  |  |  |  |  | 26.904% | 26.904% | 26.904% | 11/13/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $78390.00 | xxxxxx | 6.190% | $0.00 | 2.2 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $22500.00 | 2.140% | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.21 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857829 | xxxxxx |  | N/A |  | Yes | xxxxxx | No | No | $28275.00 | $12393.36 | xxxxxx | 7.325% | $2448.07 | $2448.07 | 6.999% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $24218.84 | 1 | xxxxxx | $3327.60 | xxxxxx | $277.30 | xxxxxx | xxxxxx | $110.00 |  | Monthly | 46.529% | 46.529% | 46.529% | 11/07/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 99.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $28275.00 | xxxxxx | 6.190% | $0.00 | 1.2 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $474041.42 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 112.83 |  | No | Yes | xxxxxx | $45293.22 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 857830 | xxxxxx |  | N/A |  | Yes | xxxxxx | No | No | $15862.50 | $9898.88 | xxxxxx | 9.345% | $1682.79 | $1682.79 | 8.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $276003.07 | 1 | xxxxxx | $3230.52 | xxxxxx | $269.21 |  |  |  |  |  | 3.546% | 3.546% | 3.546% | 12/03/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 33.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2002 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15862.50 | xxxxxx | 6.260% | $0.00 | 3.5 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $22949.36 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.63 |  | No | Yes | xxxxxx | $286150.34 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 857831 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1152.56 | $1152.56 | 6.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2788.20 | xxxxxx | $232.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | xxxxxx | $19119.82 | 7.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 857832 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $10913.75 | $5133.41 | xxxxxx | 8.183% | $1953.46 | $1953.46 | 7.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3873.68 | 1 | xxxxxx | $2326.80 | xxxxxx | $193.90 |  |  |  |  |  | 47.729% | 47.729% | 47.729% | 09/29/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10913.75 | xxxxxx | 6.310% | $20300.00 | 1 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $99602.29 | 28.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.69 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857835 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5030.17 | $5030.17 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5307.96 | xxxxxx | $442.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.09 |  |  |  |  |  |  |  | xxxxxx | $112696.00 | 12.180% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857841 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1804.89 | $1804.89 | 7.999% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $974.04 | xxxxxx | $81.17 | xxxxxx | xxxxxx | $500.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $284035.17 | 80.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 72.2 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857842 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $8470.00 | $10732.19 | xxxxxx | 8.318% | $1812.67 | $1812.67 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3667.27 | 1 | xxxxxx | $4605.96 | xxxxxx | $383.83 |  |  |  |  |  | 41.516% | 41.516% | 41.516% | 11/06/2025 | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8470.00 | xxxxxx | 6.190% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.82 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857843 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2904.65 | $2904.65 | 6.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $765.96 | xxxxxx | $63.83 | xxxxxx | xxxxxx | $60.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/12/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.95 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 857846 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3981.34 | $3981.34 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $7500.96 | xxxxxx | $625.08 | xxxxxx | xxxxxx | $1265.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/11/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $44320.33 | 5.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.89 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857847 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $10170.00 | $12668.33 | xxxxxx | 8.464% | $2851.19 | $2851.19 | 8.125% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $5721.58 | 1 | xxxxxx | $2189.40 | xxxxxx | $182.45 |  |  |  |  |  | 38.347% | 38.347% | 38.347% | 10/12/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10170.00 | xxxxxx | 6.270% | $4000.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $130069.56 | 27.090% | No | 36 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.08 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857848 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6540.63 | $6540.63 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4155.24 | xxxxxx | $346.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/21/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 26.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 857850 | xxxxxx |  | N/A |  |  | xxxxxx | No | No | $39920.00 | $2822.71 | xxxxxx | 7.417% | $5180.06 | $5180.06 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $278029.14 | 1 | xxxxxx | $2081.04 | xxxxxx | $173.42 | xxxxxx | xxxxxx | $140.00 |  | Monthly | 6.967% | 6.967% | 6.967% | 08/11/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $39920.00 | xxxxxx | 6.610% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5755.40 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 75.53 | Retail | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 857855 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2847.74 | $2847.74 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $10514.64 | xxxxxx | $876.22 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $30000.00 | 5.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.74 | Broker |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 859174 | xxxxxx |  | N/A |  |  | xxxxxx | No | No | $25347.00 | $12938.23 | xxxxxx | 7.387% | $1956.68 | $1956.68 | 6.990% | No | No | Not Employed | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  | $148798.81 | 1 | xxxxxx | $753.60 | xxxxxx | $62.80 | xxxxxx | xxxxxx | $2184.00 |  | Annually | 31.352% | 31.352% | 31.352% | 11/06/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $25347.00 | xxxxxx | 6.250% | $0.00 | 4 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Passport |  |  | No | 22.96 |  | No | Yes | xxxxxx | $216757.08 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 19 | Mortgagor Focused |
| xxxxxx | 859178 | xxxxxx |  | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $16465.00 | $4501.29 | xxxxxx | 7.510% | $4554.42 | $4554.42 | 7.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20257.30 | 1 | xxxxxx | $2198.04 | xxxxxx | $183.17 |  |  |  |  |  | 21.955% | 21.955% | 21.955% | 11/17/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16465.00 | xxxxxx | 6.230% | $24000.00 | 2.6 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 13.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $24500.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 859182 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $19645.00 | $15772.18 | xxxxxx | 7.031% | $3087.02 | $3087.02 | 6.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20077.96 | 1 | xxxxxx | $668.04 | xxxxxx | $55.67 | xxxxxx | xxxxxx | $457.00 |  | Monthly | 20.438% | 20.438% | 20.438% | 12/04/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19645.00 | xxxxxx | 6.270% | $0.00 | 1.2 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $654889.01 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 121.77 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 859184 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $4995.00 | $3277.08 | xxxxxx | 7.285% | $1077.84 | $1077.84 | 7.124% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5445.71 | 1 | xxxxxx | $1638.00 | xxxxxx | $136.50 |  |  |  |  |  | 21.365% | 21.365% | 21.365% | 11/17/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 72 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $4995.00 | xxxxxx | 6.270% | $0.00 | 1 |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 859186 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $12745.00 | $14764.68 | xxxxxx | 6.985% | $2336.89 | $2336.89 | 6.624% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  | $3025.37 | 1 | xxxxxx | $1493.04 | xxxxxx | $124.42 | xxxxxx | xxxxxx | $70.00 |  | Monthly | 49.596% | 49.596% | 49.596% |  | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12745.00 | xxxxxx | 6.180% | $0.00 | 1.4 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Passport | Passport |  |  | No | 11.12 |  |  | No | xxxxxx | $3107.37 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 | Mortgagor Focused |
| xxxxxx | 859192 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $8807.50 | $8315.40 | xxxxxx | 6.406% | $1549.24 | $1549.24 | 6.124% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6319.10 | 1 | xxxxxx | $1129.32 | xxxxxx | $94.11 | xxxxxx |  | $600.00 |  | Monthly | 46.012% | 46.012% | 46.012% | 11/18/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8807.50 | xxxxxx | 6.270% | $10000.00 | 1 |  |  |  | N/A | No | 6.124% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $295745.18 | 57.980% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.25 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 859193 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $11354.55 | $1582.00 | xxxxxx | 6.267% | $1810.88 | $1810.88 | 6.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4776.09 | 1 | xxxxxx | $725.04 | xxxxxx | $60.42 | xxxxxx | xxxxxx | $117.00 |  | Monthly | 39.163% | 39.163% | 39.163% | 12/18/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11354.55 | xxxxxx | 6.250% | $18339.08 | 1 |  |  |  | Yes | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5756.00 | 0.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.31 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 859194 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $12583.40 | $14576.46 | xxxxxx | 7.769% | $1826.42 | $1826.42 | 7.240% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2786.45 | 1 | xxxxxx | $650.04 | xxxxxx | $54.17 |  |  |  |  |  | 47.426% | 47.426% | 47.426% | 12/21/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12583.40 | xxxxxx | 6.170% | $2500.00 | 1 |  |  |  | N/A | No | 7.240% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $114202.42 | 34.090% | No | 34 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.8 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 859197 | xxxxxx |  | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $20620.00 | $12101.95 | xxxxxx | 6.505% | $15848.41 | $15848.41 | 6.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $83094.30 | 1 | xxxxxx | $17890.92 | xxxxxx | $1490.91 | xxxxxx | xxxxxx | $490.00 |  | Monthly | 37.287% | 37.287% | 37.287% | 11/17/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20620.00 | xxxxxx | 6.190% | $0.00 | 1.9 |  |  |  | N/A | No | 6.490% | 0 |  | 2 | 0 | 0 | 0 |  |  | 10.33 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 162.35 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 859198 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $10082.51 | $0.00 | xxxxxx | 7.833% | $2002.82 | $2002.82 | 7.874% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4343.96 | 1 | xxxxxx | $814.68 | xxxxxx | $67.89 |  |  |  |  |  | 34.523% | 34.522% | 34.522% | 12/29/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10082.51 | xxxxxx | 6.180% | $49500.00 | 1 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $2000.00 | 0.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 5.47 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |

---

## Exhibit 99.8

**EXHIBIT 99.8**

**AMC TAX AND TITLE REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 816365 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 12 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Prior Mortgage - Title Policy Coverage | Subordinate Liens/Judgments were identified totaling $xxxxxx<br>This Prior Mortgage was recorded on xxxxxx by xxxxxx $xxxxxx. Covered by Title Policy. |
| 848992 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Exception Detail** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 816365 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | Subordinate Liens/Judgments - Subordinate Liens/Judgments were identified totaling $xxxxxx |
| 816365 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | xxxxxx | xxxxxx | No | No | Open |  | xxxxxx |  | xxxxxx as nominee for xxxxxx | xxxxxx | Prior Mortgage - Title Policy Coverage - This Prior Mortgage was recorded on xxxxxx by xxxxxx nominee for xxxxxx $xxxxxx. Covered by Title Policy. |

---

## Exhibit 99.9

**EXHIBIT 99.9**

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

![](tm267306d1_ex99-9img01.jpg)

**NARRATIVE**

**Verus 2026-3**

**By Canopy Financial Technology Partners LLC on February 25, 2026**

Canopy Financial Technology Partners LLC

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

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

![](tm267306d1_ex99-9img01.jpg)

**Description of Services**

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

The Review consisted of a population of four hundred sixty-seven (467) Loans with an aggregate principal balance of $246,316,551.

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

**Data Integrity**

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

---

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

---

![](tm267306d1_ex99-9img01.jpg)

---

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

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

![](tm267306d1_ex99-9img01.jpg)

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

![](tm267306d1_ex99-9img01.jpg)

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

· Borrower identity:

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

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

· Employment:

· Licensing – reviewed NMLS data for:

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

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

· Occupancy:

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

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

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

![](tm267306d1_ex99-9img01.jpg)

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

![](tm267306d1_ex99-9img01.jpg)

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

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

**Compliance Review**

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

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

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

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

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

![](tm267306d1_ex99-9img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](tm267306d1_ex99-9img01.jpg)

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

![](tm267306d1_ex99-9img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](tm267306d1_ex99-9img01.jpg)

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

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules §
109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)**

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

![](tm267306d1_ex99-9img01.jpg)

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

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

**Ability to Repay (ATR)**

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

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

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

![](tm267306d1_ex99-9img01.jpg)

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

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

**Agency Eligible Loans:**

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

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

![](tm267306d1_ex99-9img01.jpg)

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

---

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

---

![](tm267306d1_ex99-9img01.jpg)

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 87.37% (408 loans) have an overall grade of "A", 12.42% (58 loans) have an overall grade of "B", and 0.21% (1 loan) has an overall grade of "C".

Canopy's review concluded a Credit grade of "A" for 412 Loans reviewed (88.22%), and 55 loans (11.78%) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 461 Loans reviewed (98.72%), 5 loans (1.07%) have a Compliance grade of "B", and 1 loan (0.21%) has a Compliance grade of "C".

Canopy's review concluded a Property/Valuation grade of "A" for 466 Loans reviewed (99.79%), and 1 loan (0.21%) has a Property grade of "B".

![](tm267306d1_ex99-9img01.jpg)

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;408 | &nbsp;&nbsp;87.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;58 | &nbsp;&nbsp;12.42% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**467** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;412 | &nbsp;&nbsp;88.22% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;55 | &nbsp;&nbsp;11.78% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**467** | &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;461 | &nbsp;&nbsp;98.72% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.07% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**467** | &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;466 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**467** | &nbsp;&nbsp;**100.00%** |

---

![](tm267306d1_ex99-9img01.jpg)

**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;455 | &nbsp;&nbsp;97.43% | &nbsp;&nbsp;$238306051.25 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.57% | &nbsp;&nbsp;$8010500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**467** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$246316551.25** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;425 | &nbsp;&nbsp;91.01% | &nbsp;&nbsp;$235930031.25 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;42 | &nbsp;&nbsp;8.99% | &nbsp;&nbsp;$10386520.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**467** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$246316551.25** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$1308000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.86% | &nbsp;&nbsp;$1014800.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;167 | &nbsp;&nbsp;35.76% | &nbsp;&nbsp;$80472189.00 |
| &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;57 | &nbsp;&nbsp;12.21% | &nbsp;&nbsp;$32146053.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;187 | &nbsp;&nbsp;40.04% | &nbsp;&nbsp;$103291613.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;50 | &nbsp;&nbsp;10.71% | &nbsp;&nbsp;$28083896.25 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**467** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$246316551.25** |
| &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;3 | &nbsp;&nbsp;0.64% | &nbsp;&nbsp;$1173000.00 |
| &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;454 | &nbsp;&nbsp;97.22% | &nbsp;&nbsp;$236961128.25 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.14% | &nbsp;&nbsp;$8182423.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**467** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$246316551.25** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;213 | &nbsp;&nbsp;45.61% | &nbsp;&nbsp;$129815487.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;16 | &nbsp;&nbsp;3.43% | &nbsp;&nbsp;$16275841.25 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;238 | &nbsp;&nbsp;50.96% | &nbsp;&nbsp;$100225223.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**467** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$246316551.25** |

---

![](tm267306d1_ex99-9img01.jpg)

**DATA COMPARISON RESULTS**

Of the four hundred sixty-seven (467) mortgage loan files reviewed, two hundred nineteen (219) unique loans (46.90% by number) had three hundred thirteen (313) tape comparison discrepancies across twenty-seven (27) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.64% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;14 | &nbsp;&nbsp;467 | &nbsp;&nbsp;3.00% |
| &nbsp;&nbsp;Borrower 1 Self- Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;27 | &nbsp;&nbsp;467 | &nbsp;&nbsp;5.78% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;11 | &nbsp;&nbsp;467 | &nbsp;&nbsp;2.36% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;12 | &nbsp;&nbsp;467 | &nbsp;&nbsp;2.57% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;41 | &nbsp;&nbsp;467 | &nbsp;&nbsp;8.78% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.64% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;88 | &nbsp;&nbsp;467 | &nbsp;&nbsp;18.84% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;467 | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;7 | &nbsp;&nbsp;467 | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;467 | &nbsp;&nbsp;1.07% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;467 | &nbsp;&nbsp;.86% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;6 | &nbsp;&nbsp;467 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;56 | &nbsp;&nbsp;467 | &nbsp;&nbsp;11.99% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;467 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;467 | &nbsp;&nbsp;0.86% |

---

![](tm267306d1_ex99-9img01.jpg)

**Disclaimer**

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

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

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

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

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

## Exhibit 99.10

**EXHIBIT 99.10**

**CANOPY RATING AGENCY GRADES DETAIL REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 840062 | xxxxxx | C A | Closed | xxxxxx | 2025-11-11 05:04 | 2025-12-08 13:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 8 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. updated transaction history prior to closing - Due Diligence Vendor-12/08/2025 <br> Open-Audited Reserves of 4.38 are less than Guideline Required Reserves of 6.<br> The verified amount of borrowers xxxxxx xxxxxx is $35,164.75 less than is listed on the final 1003 & final 1008. Borrower has numerous payments to credit cards and checks withdrawn which is why the assets are less. - Due Diligence Vendor-11/11/2025 |  | Resolved-Audited Reserves of 8 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | Full Review840062_xxxxxx_12_4_2025_14941_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840433 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-24 14:39 | 2025-09-09 22:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted with compensating factors. Housing History Does Not Meet Guideline Requirements Exception granted : Borrower lives rent free and has 1x30x12 late on the subject property - Due Diligence Vendor-07/24/2025 | Exception granted with lender comp factors. - 07/24/2025 <br>| Waived-Client exception granted with compensating factors. Housing History Does Not Meet Guideline Requirements Exception granted : Borrower lives rent free and has 1x30x12 late on the subject property - Due Diligence Vendor-07/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 30.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years | 69.23% LTV, <15% DTI, 703 FICO |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840433 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-24 00:58 | 2025-08-15 12:24 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/13/2025 <br> Resolved- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Please see cure documents - Due Diligence Vendor-08/13/2025 <br> Counter-\*\*\*\*\*\*\*COC event and Revised Closing Disclosure dated xxxxxx, has been provided and 10% tolerance cure is resolved. ---- 0% tolerance cure for increase to the appraisal charge, in the amount of $140.00, remains. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. COC-CD xxxxxx - Due Diligence Vendor-08/05/2025 <br> Open-Total of 10% and 0% tolerance Cure(s) = $287.90. Valid COC event details or PCCD, LOE, copy of refund check and proof of mailing, is required. - Due Diligence Vendor-08/04/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/24/2025 <br> Open- - Due Diligence Vendor-07/24/2025 |  | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 30.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | Full Review840433_xxxxxx_8_4_2025_22302_PM.zip<br> Full Review840433_xxxxxx_8_11_2025_115531_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840433 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-24 00:58 | 2025-08-13 09:14 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/13/2025 <br> Resolved- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Please see cure documents<br> - Due Diligence Vendor-08/13/2025 <br> Counter-\*\*\*\*\*\*\*COC event and Revised Closing Disclosure dated xxxxxx, has been provided and 10% tolerance cure is resolved. ---- 0% tolerance cure for increase to the appraisal charge, in the amount of $140.00, remains. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. COC-CD xxxxxx - Due Diligence Vendor-08/05/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $140.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*\*\*\*\*\*\*\*\* Appraisal charge disclosed in the initial loan estimate in the amount of $605.00, increased to $745.00, with no evidence of a valid change of circumstance event. - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/24/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 30.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | Full Review840433_xxxxxx_8_4_2025_22302_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840433 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-24 00:58 | 2025-08-13 09:14 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/13/2025 <br> Resolved- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Please see cure documents<br> - Due Diligence Vendor-08/13/2025 <br> Counter-\*\*\*\*\*\*\*COC event and Revised Closing Disclosure dated xxxxxx, has been provided and 10% tolerance cure is resolved. ---- 0% tolerance cure for increase to the appraisal charge, in the amount of $140.00, remains. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. COC-CD xxxxxx - Due Diligence Vendor-08/05/2025 <br> Open-Total of 10% and 0% tolerance Cure(s) = $287.90. Valid COC event details or PCCD, LOE, copy of refund check and proof of mailing, is required. - Due Diligence Vendor-08/04/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/24/2025 <br> Open- - Due Diligence Vendor-07/24/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-08/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 30.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | Full Review840433_xxxxxx_8_4_2025_22302_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840433 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-24 00:58 | 2025-08-05 07:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC event detail provided - Due Diligence Vendor-08/05/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. COC-CD xxxxxx - Due Diligence Vendor-08/05/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,815.50) exceed the comparable charges ($1,516.00) 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). \*\*\*\*\*\*\*\*\*\*\*\*\* Recording charge disclosed in the initial loan estimate in the amount of $1,056.00, increased to $1,815.50, with no evidence of a valid change of circumstance event. - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/24/2025 |  | Resolved-COC event detail provided - Due Diligence Vendor-08/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - 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 30.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | Full Review840433_xxxxxx_8_4_2025_22302_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841764 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-19 04:30 | 2026-01-15 09:12 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved- - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. See attached tracking, LOE, check and PCCD - Due Diligence Vendor-01/14/2026 <br> Counter-Document Uploaded. Documentation provided is insufficient to remediate the finding. --- see uploaded calculation detail. \*\*\* Required for remediation: evidence of proof of shipment for restitution the amount of $200.00 is required including a new NORTC reflecting a new 3-day rescission period is required. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. See attached PCCD. COC on page 7. - Due Diligence Vendor-12/24/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of $200. Fees included in testing are:(Mortgage Broker Fee paid by Borrower:$15,000.00 Administration Fee paid by Borrower: $1,495.00 Points - Loan Discount Fee paid by Borrower: $14,728.48 Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00 MERS Registration Fee paid by Borrower: xxxxxx Tax Service Fee paid by Borrower: $65.00 Processing Fee paid by Borrower: $995.00 Settlement or Closing Fee paid by Borrower: $400.00 Closing Protection Letter Fee paid by Borrower: $25.00 Electronic Recording Service Fee paid by Borrower: $7.20 Recording Service Fee paid by Borrower: $300.00 Prepaid Interest paid by Borrower: $1,282.56). - Due Diligence Vendor-12/22/2025 <br> Rescinded-NonQm - Due Diligence Vendor-12/22/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of $200. Fees included in testing are:(Mortgage Broker Fee paid by Borrower:$15,000.00 Administration Fee paid by Borrower: $1,495.00 Points - Loan Discount Fee paid by Borrower: $14,728.48 Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00 MERS Registration Fee paid by Borrower: xxxxxx Tax Service Fee paid by Borrower: $65.00 Processing Fee paid by Borrower: $995.00 Settlement or Closing Fee paid by Borrower: $400.00 Closing Protection Letter Fee paid by Borrower: $25.00 Electronic Recording Service Fee paid by Borrower: $7.20 Recording Service Fee paid by Borrower: $300.00 Prepaid Interest paid by Borrower: $1,282.56). - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $1,403,803.38. The disclosed finance charge of $1,403,603.38 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 |  | Cured-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved-Received cure package - Due Diligence Vendor-01/15/2026 <br> Rescinded-NonQm - Due Diligence Vendor-12/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.49% 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 - 34.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | Full Review841764_xxxxxx_12_23_2025_125742_PM.zip<br> 841764 xxxxxx – Finance Charge Violation.odt<br> Full Review841764_xxxxxx_1_14_2026_122153_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841764 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-22 12:16 | 2026-01-15 09:12 | Cured | 2 - Non-Material C B | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Cured-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved- - Due Diligence Vendor-01/15/2026 <br> Ready for Review-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $1,403,803.38. The disclosed finance charge of $1,403,603.38 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-01/15/2026 <br> Resolved- - Due Diligence Vendor-01/15/2026 <br> Resolved- - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. See attached tracking, LOE, check and PCCD - Due Diligence Vendor-01/14/2026 <br> Counter-Document Uploaded. Documentation provided is insufficient to remediate the finding. --- see uploaded calculation detail. \*\*\* Required for remediation: evidence of proof of shipment for restitution the amount of $200.00 is required including a new NORTC reflecting a new 3-day rescission period is required. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. See attached PCCD. COC on page 7. - Due Diligence Vendor-12/24/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of $200. Fees included in testing are:(Mortgage Broker Fee paid by Borrower:$15,000.00 Administration Fee paid by Borrower: $1,495.00 Points - Loan Discount Fee paid by Borrower: $14,728.48 Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00 MERS Registration Fee paid by Borrower: xxxxxx Tax Service Fee paid by Borrower: $65.00 Processing Fee paid by Borrower: $995.00 Settlement or Closing Fee paid by Borrower: $400.00 Closing Protection Letter Fee paid by Borrower: $25.00 Electronic Recording Service Fee paid by Borrower: $7.20 Recording Service Fee paid by Borrower: $300.00 Prepaid Interest paid by Borrower: $1,282.56). - Due Diligence Vendor-12/22/2025 <br> Rescinded-NonQm - Due Diligence Vendor-12/22/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of $200. Fees included in testing are:(Mortgage Broker Fee paid by Borrower:$15,000.00 Administration Fee paid by Borrower: $1,495.00 Points - Loan Discount Fee paid by Borrower: $14,728.48 Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00 MERS Registration Fee paid by Borrower: xxxxxx Tax Service Fee paid by Borrower: $65.00 Processing Fee paid by Borrower: $995.00 Settlement or Closing Fee paid by Borrower: $400.00 Closing Protection Letter Fee paid by Borrower: $25.00 Electronic Recording Service Fee paid by Borrower: $7.20 Recording Service Fee paid by Borrower: $300.00 Prepaid Interest paid by Borrower: $1,282.56). - Due Diligence Vendor-12/22/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $1,403,803.38. The disclosed finance charge of $1,403,603.38 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Cured-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved- - Due Diligence Vendor-01/15/2026 <br> Rescinded-NonQm - Due Diligence Vendor-12/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.49% 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 - 34.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | Full Review841764_xxxxxx_12_23_2025_125900_PM.zip<br> 841764 xxxxxx – Finance Charge Violation.odt<br> Full Review841764_xxxxxx_1_14_2026_122147_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841764 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-22 12:16 | 2026-01-15 09:12 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Cured-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved- - Due Diligence Vendor-01/15/2026 <br> Ready for Review-This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $1,403,803.38. The disclosed finance charge of $1,403,603.38 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-01/15/2026 <br> Resolved- - Due Diligence Vendor-01/15/2026 <br> Resolved- - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. See attached tracking, LOE, check and PCCD - Due Diligence Vendor-01/14/2026 <br> Counter-Document Uploaded. Documentation provided is insufficient to remediate the finding. --- see uploaded calculation detail. \*\*\* Required for remediation: evidence of proof of shipment for restitution the amount of $200.00 is required including a new NORTC reflecting a new 3-day rescission period is required. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. See attached PCCD. COC on page 7. - Due Diligence Vendor-12/24/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of $200. Fees included in testing are:(Mortgage Broker Fee paid by Borrower:$15,000.00 Administration Fee paid by Borrower: $1,495.00 Points - Loan Discount Fee paid by Borrower: $14,728.48 Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00 MERS Registration Fee paid by Borrower: xxxxxx Tax Service Fee paid by Borrower: $65.00 Processing Fee paid by Borrower: $995.00 Settlement or Closing Fee paid by Borrower: $400.00 Closing Protection Letter Fee paid by Borrower: $25.00 Electronic Recording Service Fee paid by Borrower: $7.20 Recording Service Fee paid by Borrower: $300.00 Prepaid Interest paid by Borrower: $1,282.56). - Due Diligence Vendor-12/22/2025 <br> Rescinded-NonQm - Due Diligence Vendor-12/22/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of $200. Fees included in testing are:(Mortgage Broker Fee paid by Borrower:$15,000.00 Administration Fee paid by Borrower: $1,495.00 Points - Loan Discount Fee paid by Borrower: $14,728.48 Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00 MERS Registration Fee paid by Borrower: xxxxxx Tax Service Fee paid by Borrower: $65.00 Processing Fee paid by Borrower: $995.00 Settlement or Closing Fee paid by Borrower: $400.00 Closing Protection Letter Fee paid by Borrower: $25.00 Electronic Recording Service Fee paid by Borrower: $7.20 Recording Service Fee paid by Borrower: $300.00 Prepaid Interest paid by Borrower: $1,282.56). - Due Diligence Vendor-12/22/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $1,403,803.38. The disclosed finance charge of $1,403,603.38 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Cured-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved- - Due Diligence Vendor-01/15/2026 <br> Rescinded-NonQm - Due Diligence Vendor-12/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.49% 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 - 34.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | Full Review841764_xxxxxx_12_23_2025_102813_AM.zip<br> 841764 xxxxxx – Finance Charge Violation.odt<br> Full Review841764_xxxxxx_1_14_2026_122153_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841764 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-19 04:30 | 2026-01-15 09:12 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved- - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. See attached tracking, LOE, check and PCCD - Due Diligence Vendor-01/14/2026 <br> Counter-Document Uploaded. Documentation provided is insufficient to remediate the finding. --- see uploaded calculation detail. \*\*\* Required for remediation: evidence of proof of shipment for restitution the amount of $200.00 is required including a new NORTC reflecting a new 3-day rescission period is required. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. See attached PCCD. COC on page 7. - Due Diligence Vendor-12/24/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of $200. Fees included in testing are:(Mortgage Broker Fee paid by Borrower:$15,000.00 Administration Fee paid by Borrower: $1,495.00 Points - Loan Discount Fee paid by Borrower: $14,728.48 Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00 MERS Registration Fee paid by Borrower: xxxxxx Tax Service Fee paid by Borrower: $65.00 Processing Fee paid by Borrower: $995.00 Settlement or Closing Fee paid by Borrower: $400.00 Closing Protection Letter Fee paid by Borrower: $25.00 Electronic Recording Service Fee paid by Borrower: $7.20 Recording Service Fee paid by Borrower: $300.00 Prepaid Interest paid by Borrower: $1,282.56). - Due Diligence Vendor-12/22/2025 <br> Rescinded-NonQm - Due Diligence Vendor-12/22/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of $200. Fees included in testing are:(Mortgage Broker Fee paid by Borrower:$15,000.00 Administration Fee paid by Borrower: $1,495.00 Points - Loan Discount Fee paid by Borrower: $14,728.48 Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00 MERS Registration Fee paid by Borrower: xxxxxx Tax Service Fee paid by Borrower: $65.00 Processing Fee paid by Borrower: $995.00 Settlement or Closing Fee paid by Borrower: $400.00 Closing Protection Letter Fee paid by Borrower: $25.00 Electronic Recording Service Fee paid by Borrower: $7.20 Recording Service Fee paid by Borrower: $300.00 Prepaid Interest paid by Borrower: $1,282.56). - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,403,803.38. The disclosed finance charge of $1,403,603.38 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 |  | Cured-Received cure package - Due Diligence Vendor-01/15/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-01/15/2026 <br> Rescinded-NonQm - Due Diligence Vendor-12/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.49% 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 - 34.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | Full Review841764_xxxxxx_12_23_2025_125828_PM.zip<br> 841764 xxxxxx – Finance Charge Violation.odt<br> Full Review841764_xxxxxx_1_14_2026_122153_PM.zip<br> 841764 xxxxxx – Finance Charge Violation.odt<br> 841764_xxxxxx_Closing_Documents_(1).pdf<br> 841764_xxxxxx_cure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842957 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 842991 | xxxxxx | D A | Closed | xxxxxx | 2026-01-15 02:37 | 2026-01-28 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see attached Gap Report. - Due Diligence Vendor-01/28/2026 <br> Open-Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring Report (UDM) is required - Due Diligence Vendor-01/15/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/28/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 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 0.06 |  | Full Review842991_xxxxxx_1_23_2026_53221_PM.zip<br> Full Review842991_xxxxxx_1_23_2026_53335_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 842991 | xxxxxx | D A | Closed | xxxxxx | 2026-01-15 02:37 | 2026-01-28 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see attached Gap Report. - Due Diligence Vendor-01/28/2026 <br> Open-Borrower 2 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring Report (UDM) is required - Due Diligence Vendor-01/15/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/28/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 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 0.06 |  | Full Review842991_xxxxxx_1_23_2026_53221_PM.zip<br> Full Review842991_xxxxxx_1_23_2026_53335_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845402 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845924 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845982 | xxxxxx | D A | Closed | xxxxxx | 2025-10-10 17:20 | 2025-10-30 08:54 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-Valid Passport provided - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Please see attached Updated Passport. - Due Diligence Vendor-10/29/2025 <br> Open-Given Passport copy is expired on xxxxxx - Due Diligence Vendor-10/10/2025 |  | Resolved-Valid Passport provided - Due Diligence Vendor-10/30/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.42% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review845982_xxxxxx_10_28_2025_35311_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845982 | xxxxxx | D A | Closed | xxxxxx | 2025-10-10 17:09 | 2025-10-20 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. See attached Purchase Contract. - Due Diligence Vendor-10/17/2025 <br> Open-Purchase Contract is Partial copy. Purchase Contract is Partial Provided - Due Diligence Vendor-10/10/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/20/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.42% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review845982_xxxxxx_10_17_2025_112010_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846785 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847216 | xxxxxx | B A | Closed | xxxxxx | 2025-11-26 02:23 | 2025-12-03 07:43 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see 1008 - Due Diligence Vendor-12/02/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/26/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/03/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.5 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review847216_xxxxxx_12_2_2025_94928_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847714 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-30 14:03 | 2025-11-14 07:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. See Guaranty Agreement - Due Diligence Vendor-11/13/2025 <br> Open-Personal Guaranty is missing. Missing personal guaranty. - Due Diligence Vendor-10/30/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-11/14/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 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 - 8.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review847714_xxxxxx_11_12_2025_13340_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847714 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-30 14:17 | 2025-11-04 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-11/03/2025 <br> Open-Title Document is missing Missing title commitment - Due Diligence Vendor-10/30/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-11/04/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 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 - 8.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review847714_xxxxxx_10_31_2025_42502_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847714 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-30 16:10 | 2025-10-30 16:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception using short term rental income to determine allowed LTV. 75% vs 70% - Due Diligence Vendor-10/30/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception using short term rental income to determine allowed LTV. 75% vs 70% - Due Diligence Vendor-10/30/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 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 - 8.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 35 months+ reserves<br> DSCR >1<br> good credit, 0 x 30 x 24 housing history |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 847729 | xxxxxx | C A | Closed | xxxxxx | 2025-12-24 01:20 | 2026-01-11 10:38 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Please see 3 documents attached addressing the HOI coverage - Due Diligence Vendor-01/09/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $675000 - Due Diligence Vendor-12/24/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-01/11/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.66 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 41.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.93% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 847729_xxxxxx_endo.pdf<br> 847729_xxxxxx_home_dec.pdf<br> 847729_xxxxxx_Underwriter_Certification.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847729 | xxxxxx | C A | Closed | xxxxxx | 2025-12-24 02:36 | 2025-12-31 08:14 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. CDA attached - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Rescinded-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.6) - Due Diligence Vendor-12/26/2025 |  | Resolved-desk review provided - Due Diligence Vendor-12/31/2025 <br> Rescinded-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.6) - Due Diligence Vendor-12/26/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.66 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 41.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.93% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 847729_xxxxxx_cda.pdf<br> 847729_xxxxxx_cda_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848027 | xxxxxx | B A | Closed | xxxxxx | 2025-10-15 10:56 | 2025-10-15 10:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted with compensating factors. Subject loan has 4 borrowers that are vesting in Business Entity - xxxxxx. Operating agreement pg 193 reflects the 4 bwrs each with 20% ownership, with a 5th non borrower with 20%. GL (4.1.2.2) Business Entity Vesting: The borrower is at least 25% or majority shareholder and maximum of 4 borrowers. Loan does not meet guidelines. - Due Diligence Vendor-10/15/2025 |  | Waived-Client exception granted with compensating factors. Subject loan has 4 borrowers that are vesting in Business Entity - xxxxxx. Operating agreement pg 193 reflects the 4 bwrs each with 20% ownership, with a 5th non borrower with 20%. GL (4.1.2.2) Business Entity Vesting: The borrower is at least 25% or majority shareholder and maximum of 4 borrowers. Loan does not meet guidelines. - Due Diligence Vendor-10/15/2025 | 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 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 102.26 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 848143 | xxxxxx | C A | Closed | xxxxxx | 2026-01-13 10:26 | 2026-02-03 15:46 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received Missing LEs/CDs.<br> - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Loan estimates and CDs - Due Diligence Vendor-02/03/2026 <br> Counter-ICD dated xxxxxx and Disclosure history that includes the COC events, has been provided resulting in addition findings. \*\*\*\*\*\*TRID history provided indicated the LE(s) dated xxxxxx, have not been provided. ~~~~~~~~~Please provide all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosure documents. - Due Diligence Vendor-01/21/2026 <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-01/13/2026 |  | Resolved-\*\*\*Received Missing LEs/CDs.<br> - Due Diligence Vendor-02/03/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.22 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848143_xxxxxx_1_20_2026_112317_AM.zip<br> Full Review848143_xxxxxx_2_2_2026_42633_PM.zip<br> 848143_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251217_125806.pdf<br> 848143_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251217_091652.pdf<br> 848143_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251216_135618.pdf<br> 848143_xxxxxx_-_TRID_Package.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848143 | xxxxxx | C A | Closed | xxxxxx | 2026-01-26 16:50 | 2026-02-03 15:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received Missing LEs/CDs. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Loan estimates and CDs - Due Diligence Vendor-02/03/2026 <br> Counter-1/26/2025 Compliance report generated without requested material (TRID disclosures that correlate to the COC event detail.) ----------- ICD dated xxxxxx and Disclosure history that includes the COC events, has been provided resulting in addition findings. \*\*\*\*\*\*TRID history provided indicated the LE(s) dated xxxxxx, have not been provided. ~~~~~~~~~Please provide all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-01/26/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,734.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-\*\*\*Received Missing LEs/CDs. - Due Diligence Vendor-02/03/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.22 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848143_xxxxxx_2_2_2026_43001_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848143 | xxxxxx | C A | Closed | xxxxxx | 2026-01-26 16:50 | 2026-02-03 15:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received Missing LEs/CDs. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Loan estimates and CDs - Due Diligence Vendor-02/03/2026 <br> Counter-1/26/2025 Compliance report generated without requested material (TRID disclosures that correlate to the COC event detail.) ----------- ICD dated xxxxxx and Disclosure history that includes the COC events, has been provided resulting in addition findings. \*\*\*\*\*\*TRID history provided indicated the LE(s) dated xxxxxx, have not been provided. ~~~~~~~~~Please provide all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-01/26/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-\*\*\*Received Missing LEs/CDs. - Due Diligence Vendor-02/03/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.22 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848143_xxxxxx_2_2_2026_43703_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848143 | xxxxxx | C A | Closed | xxxxxx | 2026-01-26 16:50 | 2026-02-03 15:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*\*Received Missing LEs/CDs. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Loan estimates and CDs - Due Diligence Vendor-02/03/2026 <br> Counter-1/26/2025 Compliance report generated without requested material (TRID disclosures that correlate to the COC event detail.) ----------- ICD dated xxxxxx and Disclosure history that includes the COC events, has been provided resulting in addition findings. \*\*\*\*\*\*TRID history provided indicated the LE(s) dated xxxxxx, have not been provided. ~~~~~~~~~Please provide all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-01/26/2026 <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% ($993.00) exceed the comparable charges ($895.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-\*\*\*Received Missing LEs/CDs. - Due Diligence Vendor-02/03/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.22 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848143_xxxxxx_2_2_2026_43519_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848143 | xxxxxx | C A | Closed | xxxxxx | 2026-01-26 16:50 | 2026-02-03 15:43 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received Missing LEs/CDs. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Loan estimates and CDs - Due Diligence Vendor-02/03/2026 <br> Counter-1/26/2025 Compliance report generated without requested material (TRID disclosures that correlate to the COC event detail.) ----------- ICD dated xxxxxx and Disclosure history that includes the COC events, has been provided resulting in addition findings. \*\*\*\*\*\*TRID history provided indicated the LE(s) dated xxxxxx, have not been provided. ~~~~~~~~~Please provide all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-01/26/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-\*\*\*Received Missing LEs/CDs. - Due Diligence Vendor-02/03/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.22 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848143_xxxxxx_2_2_2026_43407_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848177 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848825 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-28 13:19 | 2025-12-08 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. please note the $10K referenced is a portion of cash out proceeds from this transaction used as reserves - please see UW memo that was uploaded at submission - Due Diligence Vendor-12/08/2025 <br> Open-Asset 1 Missing Missing xxxxxx checking acct statement (xxxxxx) reflecting $10k claimed on F1003. - Due Diligence Vendor-12/02/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-12/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review848825_xxxxxx_12_4_2025_60057_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848825 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-28 14:05 | 2025-11-28 14:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client exception granted with compensating factors. Audited CLTV of 70% exceeds Guideline CLTV of 65% LTV of 70% exceeds guideline max of 65% (loan amount<br> <$150k - Due Diligence Vendor-11/28/2025 |  | Waived-Client exception granted with compensating factors. Audited CLTV of 70% exceeds Guideline CLTV of 65% LTV of 70% exceeds guideline max of 65% (loan amount<br> <$150k - Due Diligence Vendor-11/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 848825 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-28 14:05 | 2025-11-28 14:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 70% exceeds Guideline LTV of 65% LTV of 70% exceeds guideline max of 65% (loan amount<br> <$150k - Due Diligence Vendor-11/28/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 70% exceeds Guideline LTV of 65% LTV of 70% exceeds guideline max of 65% (loan amount<br> <$150k - Due Diligence Vendor-11/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 848825 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-28 14:05 | 2025-11-28 14:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client exception granted with compensating factors. Audited HCLTV of 70% exceeds Guideline HCLTV of 65% LTV of 70% exceeds guideline max of 65% (loan amount<br> <$150k - Due Diligence Vendor-11/28/2025 |  | Waived-Client exception granted with compensating factors. Audited HCLTV of 70% exceeds Guideline HCLTV of 65% LTV of 70% exceeds guideline max of 65% (loan amount<br> <$150k - Due Diligence Vendor-11/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 848866 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849258 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 849267 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849316 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849374 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 849392 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849523 | xxxxxx | D A | Closed | xxxxxx | 2025-12-31 01:28 | 2026-01-05 12:51 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved- - Due Diligence Vendor-01/05/2026 <br> Resolved-Desk review provided - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-01/05/2026 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) - Due Diligence Vendor-12/31/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-01/05/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.74% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 38.00 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 - 6.16 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 849523_xxxxxx_CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849523 | xxxxxx | D A | Closed | xxxxxx | 2025-12-31 01:28 | 2026-01-05 12:50 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-01/05/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/31/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.74% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 38.00 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 - 6.16 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 849523_xxxxxx_Loan#849523_Updated_FINAL_Notice_of_Loan_Approval_12-23-25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849523 | xxxxxx | D A | Closed | xxxxxx | 2025-12-31 00:55 | 2026-01-05 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Please see income worksheet - Due Diligence Vendor-01/05/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/31/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/05/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.74% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 38.00 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 - 6.16 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 849523_xxxxxx_Income_Calc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849523 | xxxxxx | D A | Closed | xxxxxx | 2026-01-02 06:45 | 2026-01-05 12:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-01/05/2026 <br> Open-Missing Desk review CU over 2.5. - Due Diligence Vendor-01/02/2026 |  | Resolved-Desk review provided - Due Diligence Vendor-01/05/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.74% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 38.00 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 - 6.16 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 849523_xxxxxx_CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849532 | xxxxxx | D A | Closed | xxxxxx | 2025-11-14 15:17 | 2025-11-19 14:00 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CU score of 1.5 Provided - per Guidelines: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. 11/18/25 - Please see attached SSR - Due Diligence Vendor-11/19/2025 <br> Open- - Due Diligence Vendor-11/14/2025 |  | Resolved-CU score of 1.5 Provided - per Guidelines: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less. - Due Diligence Vendor-11/19/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 849532_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849588 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849621 | xxxxxx | D A | Closed | xxxxxx | 2025-10-14 04:20 | 2025-10-16 13:05 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/15/2025 <br> Open-The Deed of Trust is Missing Provide Deed of Trust for the subject located at xxxxxx - Due Diligence Vendor-10/14/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-10/16/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.37% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849676 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849691 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850095 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 01:08 | 2025-12-03 15:02 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see the Note with the signature page (pgs 3 of 3). xxxxxx! - Due Diligence Vendor-12/01/2025 <br> Open-The Note is Incomplete Note dated xxxxxx is missing page 3 (signature page). All other closing docs (Deed of Trust, Final CD, Final 1003) all signed and dated xxxxxx, in xxxxxx. Notary appointment at xxxxxx (pg 978) reflects B1 to sign documents on xxxxxx.<br> - Due Diligence Vendor-11/26/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-12/03/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.12 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review850095_xxxxxx_12_1_2025_122851_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850148 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-08 10:52 | 2025-10-24 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-Asset 2 Missing The Final 1003 shows xxxxxx xxxxxx witha balance of $1000. The statement is missing from the file. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-10/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | DD 1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 850148 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-08 10:52 | 2025-10-24 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. There should not have been any assets - Seller-10/23/2025 <br> Open-Asset 3 Missing The Final 1003 shows xxxxxx xxxxxx witha balance of $2000. The statement is missing from the file. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. There should not have been any assets - Seller-10/23/2025<br>| Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-10/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | DD 1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 850148 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-07 14:46 | 2025-10-23 11:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD provided. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Missing Final Settlement Statement, Copy in the file is estimated with a closing record of xxxxxx. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Final HUD provided. - Due Diligence Vendor-10/23/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Buyer_Borrower Final Statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 850148 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-07 16:09 | 2025-10-08 10:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted with compensating factors. Missing Sufficient Primary Housing History ALLOW THE USE OF VOM'S ONLY FOR HOUSING HISTORY--CLIENT HAS ADVISED THAT HER RENT IS PAID IN CASH AND THE MORTGAGE ON THE SUBJECT IS ALSO PAID IN CASH - Due Diligence Vendor-10/08/2025 |  | Waived-Client exception granted with compensating factors. Missing Sufficient Primary Housing History ALLOW THE USE OF VOM'S ONLY FOR HOUSING HISTORY--CLIENT HAS ADVISED THAT HER RENT IS PAID IN CASH AND THE MORTGAGE ON THE SUBJECT IS ALSO PAID IN CASH - Due Diligence Vendor-10/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | LTV 65%, 90K IN RESERVES POST CLOSING |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxxxxx |
| 850148 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-07 15:45 | 2025-10-08 10:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client exception granted with compensating factors. Audited FICO of 650 is less than Guideline FICO of 660 - Due Diligence Vendor-10/07/2025 |  | Waived-Client exception granted with compensating factors. Audited FICO of 650 is less than Guideline FICO of 660 - Due Diligence Vendor-10/07/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | LTV 65%, 90K IN RESERVES POST CLOSING |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxxxxx |
| 850148 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-07 15:57 | 2025-10-08 10:26 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client exception granted with compensating factors. DSCR is less than minimum of 1%. DSCR is .98 - Due Diligence Vendor-10/08/2025 |  | Waived-Client exception granted with compensating factors. DSCR is less than minimum of 1%. DSCR is .98 - Due Diligence Vendor-10/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | LTV 65%, 90K IN RESERVES POST CLOSING |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxxxxx |
| 850163 | xxxxxx | B A | Closed | xxxxxx | 2025-10-29 14:19 | 2025-11-04 09:05 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. 10/31/25 - please see attached CLA - Due Diligence Vendor-11/03/2025 <br> Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-10/29/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 698 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |  | Full Review850163_xxxxxx_10_31_2025_55609_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850214 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850237 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850254 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-21 23:46 | 2026-01-07 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. lease see the Undisclosed Debt Monitoring Status on page 2 of the Fraud Report. No Alert found. - Due Diligence Vendor-01/06/2026 <br> Counter-Document Uploaded. The Condition is for Missing GAP or UDM report - Per Guidelines: A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. attached inquiry document signed by borrower stating no credit has been established. - Due Diligence Vendor-01/04/2026 <br> Open-Borrower 1 Gap Credit Report is Missing. Section 2.5.2 of teh Guidelines requires a GAP credit report no more than 30-days from loan closing. - Due Diligence Vendor-12/22/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.91 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 0.08 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 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 850254_xxxxxx_Credit_Report_xxxxxx.pdf<br> 850254_xxxxxx_Credit_Report_Inquiry_Status_Update_11-20_xxxxxx.pdf<br> Screenshot 2026-01-05 083639.jpg<br> 850254_xxxxxx_Fraud_Report_Page_2_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850254 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-21 23:01 | 2025-12-24 08:00 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. Please see 1004D - Due Diligence Vendor-12/24/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Primary Value Subject Property Appraisal is appraised "subject-to" and a Completion Report (1004D) is not fully Present. - Due Diligence Vendor-12/22/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-12/24/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.91 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 0.08 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 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 850254_xxxxxx_1004D_Final_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850254 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-22 00:06 | 2025-12-24 07:59 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-12/24/2025 <br> Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-12/22/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/24/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.91 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 0.08 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 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 850254_xxxxxx_Loan#850254_FINAL_Notice_of_Loan_Approval_12-11-25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850254 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-22 13:14 | 2025-12-24 07:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-12/24/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Worksheet Bank Statement Summary. - Due Diligence Vendor-12/22/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/24/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.91 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 0.08 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 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 850254_xxxxxx_850254_xxxxxx_bk_stmt_calc_10-21-25.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850254 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-22 02:54 | 2025-12-22 13:39 | Waived | 2 - Non-Material B | Credit | Income | Employment Self-Employed Less Than 2 Years at Origination | Waived-Client exception granted with compensating factors. request an exception to be able to proceed with under 2 year<br> self-employment history for xxxxxx. - Due Diligence Vendor-12/22/2025 |  | Waived-Client exception granted with compensating factors. request an exception to be able to proceed with under 2 year<br> self-employment history for xxxxxx. - Due Diligence Vendor-12/22/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 11.91 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 0.08 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 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments | DTI <= 36% which is below requirement in guidelines<br> Credit Score Credit Score 20 points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 850260 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850479 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-10 20:40 | 2025-11-18 14:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached Business Purpose Disclosure. - Due Diligence Vendor-11/17/2025 <br> Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-11/11/2025 |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-11/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 850479_xxxxxx_Busines_Purpose.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850479 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-11 04:44 | 2025-11-11 04:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted with compensating factors. Housing History Does Not Meet Guideline Requirements Housing history, unable to document payments from borrower.<br> - Due Diligence Vendor-11/11/2025 |  | Waived-Client exception granted with compensating factors. Housing History Does Not Meet Guideline Requirements Housing history, unable to document payments from borrower.<br> - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 850482 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850545 | xxxxxx | D A | Closed | xxxxxx | 2025-12-30 13:28 | 2026-01-06 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. 1/5/26 - please see attached UND report dated xxxxxx. - Due Diligence Vendor-01/06/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap credit report not present on file - please provide one, dated within 30 days prior to closing or from any time after closing, per lender guidelines - Due Diligence Vendor-12/30/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/06/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br>Residual Income Greater Than Minimum Guideline Requirement - Residual income more than 2.5x the amount required by guidelines<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 850545_xxxxxx_-_PTF_2_UDN_-_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850545 | xxxxxx | D A | Closed | xxxxxx | 2025-12-30 13:18 | 2026-01-04 08:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/04/2026 <br> Ready for Review-Document Uploaded. 1/2/26 - Please see bank statement analysis workbook - Due Diligence Vendor-01/02/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Income Worksheet for 12 mos. bank statement income of client. Please provide that or exception to move forward without - Due Diligence Vendor-12/30/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/04/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br>Residual Income Greater Than Minimum Guideline Requirement - Residual income more than 2.5x the amount required by guidelines<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 850545_xxxxxx_850545_Bank_Stmt_Analysis.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850591 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 04:47 | 2025-12-12 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement provided - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. See lease - Due Diligence Vendor-12/11/2025 <br> Open-Lease agreement is missing for Subject property "xxxxxx " - Due Diligence Vendor-12/08/2025 |  | Resolved-Lease agreement provided - Due Diligence Vendor-12/12/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.17 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.56% 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 723 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 108.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 850591_xxxxxx_1.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850669 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 08:18 | 2025-11-17 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Please see the Property Profile report. xxxxxx! - Due Diligence Vendor-11/17/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12 months housing history or property profile showing primary residence free and clear. - Due Diligence Vendor-11/13/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review850669_xxxxxx_11_14_2025_114010_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850680 | xxxxxx | D A | Closed | xxxxxx | 2025-10-21 15:10 | 2025-10-29 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. 10/27/25 - Please see attached - Due Diligence Vendor-10/28/2025 <br> Open-Missing HO-6 Master Insurance Policy. - Due Diligence Vendor-10/21/2025 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-10/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.02 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 814 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 850680_xxxxxx_master_policy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850681 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-15 11:51 | 2025-12-30 14:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 42.63% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached Underwriter Bank Statement Income Summary. - Buyer-12/30/2025 <br> Open-Audited DTI of 55.08% exceeds Guideline DTI of 55% Income client was qualified on was based on the 1003/1008 amount of $32059.43. No UW comments were present on 1008, no income workbook uploaded to support income calculation. QC uploaded 12 mos workbook showing income is $24817.43. The only deposits currently disallowed are all payments from family members into her account (xxxxxx, etc) so this is the best case scenario with the 12 mos statements on file. There is another business account tied to a letter of explanation on file that should be the source of multiple large transfers (including a $100,000 deposit currently not being excluded because of that letter of explanation) that might be used for additional income if we have 12 mos statements on file, for xxxxxx (we currently have none on file). DTI is 55.08% with all the income we can give client with what is on file and max DTI per guidelines is 55%. Please provide either an income workbook that shows getting the income to $320595.43, or else additional income sources and needed documentation (again if xxxxxx is a business account, 12 mos of those statements would likely give us the income we need). - Due Diligence Vendor-12/15/2025 |  | Resolved-Audited DTI of 42.63% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-12/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.63% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 850681 xxxxxx ANALYSIS updated 10% expense ratio (1) (1).xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850681 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-13 02:32 | 2025-12-30 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please see attached Underwriter Bank Statement Income Summary. - Due Diligence Vendor-12/16/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Income calculator from lender is not present on file. Income is 8k lower for the 12 mos bank statments than shown on 1008 - Due Diligence Vendor-12/13/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.63% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review850681_xxxxxx_12_15_2025_22255_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850681 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-13 03:24 | 2025-12-17 14:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: The matrix requires 6 months of reserves. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please see attached PreQual Granted Exception. - Due Diligence Vendor-12/16/2025 <br> Open-Audited Reserves of 3.11 are less than Guideline Required Reserves of 6 Updated balances show after funds to close only 3 months of the required 6 for reserves per guidelines - Due Diligence Vendor-12/13/2025 |  | Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: The matrix requires 6 months of reserves. - Due Diligence Vendor-12/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.63% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Residual income more than 2.5x the amount required by guidelines<br> Credit Score 30+ points > minimum required | 850681_xxxxxx_850681_PreQual_approved_conditions_11.24.2025_41814_PM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 850756 | xxxxxx | D A B | Closed | xxxxxx | 2026-01-02 07:42 | 2026-01-12 08:11 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Updated 1003 & LOE Provided - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. See correct 1003 with correct primary address. The lox is an email to our non del underwriter explaining the reason the departure residence was on the 1003 they reviewed, this was xxxxxx and the borrowers at initial UW had not moved in. - Due Diligence Vendor-01/09/2026 <br> Open-The Final 1003 is Incomplete Final 1003 states Borrower's Primary Residence is xxxxxx however the Subject Loan/Property states xxxxxx is the Borrower's Primary Residence. LOE required. - Due Diligence Vendor-01/02/2026 |  | Resolved-Updated 1003 & LOE Provided - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.13% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.49% 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 - 5.42 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.63 Years |  | 850756_xxxxxx_1003_Email_on_xxxxxx.pdf<br> 850756_xxxxxx_Email_on_xxxxxx.pdf<br> 850756_xxxxxx_1003.pdf<br> 850756_xxxxxx_Email_on_xxxxxx_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850756 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-29 02:33 | 2026-01-02 07:45 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Final LDL - Due Diligence Vendor-12/31/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/29/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.13% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.49% 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 - 5.42 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.63 Years |  | 850756_xxxxxx_850756_FINAL_ldl-report_12162025124925_124925.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850894 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850896 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850906 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850915 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 23:14 | 2025-12-08 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see attached HOI with Fair Rental Loss. - Due Diligence Vendor-12/08/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Dec page does not confirm Rental Loss coverage amount, provide proof of Fair Rental Income Protection amount and term of coverage. - Due Diligence Vendor-12/03/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 142.28 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review850915_xxxxxx_12_4_2025_42940_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850946 | xxxxxx | B A | Closed | xxxxxx | 2025-11-13 02:04 | 2025-11-17 13:50 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. see attached 1008 - Due Diligence Vendor-11/17/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/13/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.38% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review850946_xxxxxx_11_14_2025_30259_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850966 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851063 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851363 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851381 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 02:32 | 2025-12-01 20:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Builder is in control of HOA | Waived-Client exception granted with compensating factors. The Builder is in control of the HOA Approved exception with comp factors because the developer is in control of the HOA until all units are sold new project. Currently New Projects require at least 50% of the total units in the project to be sold or under contract. Subject has 45% sold/under contract. - Due Diligence Vendor-11/28/2025 |  | Waived-Client exception granted with compensating factors. The Builder is in control of the HOA Approved exception with comp factors because the developer is in control of the HOA until all units are sold new project. Currently New Projects require at least 50% of the total units in the project to be sold or under contract. Subject has 45% sold/under contract. - Due Diligence Vendor-11/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.97% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | TV/CLTV 10% or more below the maximum allowed under applicable guidelines. Credit Score 30+ points > minimum required. Experienced investor owns and manages 5 or more properties for 12 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 851436 | xxxxxx | B A | Closed | xxxxxx | 2025-11-14 17:51 | 2025-11-14 17:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted with compensating factors. Approved exception with comp factors for non experienced investor and subject is xxxxxx unit. - Due Diligence Vendor-11/14/2025 |  | Waived-Client exception granted with compensating factors. Approved exception with comp factors for non experienced investor and subject is xxxxxx unit. - Due Diligence Vendor-11/14/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 388.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Investment Property DSCR Exceeds 1.15 | 75.00% Loan amount: xxxxxx DSCR: >1.30 Credit Score: 719 Reserves: 40 or More Mos. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 851456 | xxxxxx | D A | Closed | xxxxxx | 2025-11-06 18:59 | 2025-11-07 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Open-Title Document is missing Missing title commitment for subject property. One in file is for a xxxxxx property. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-11/07/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.62 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Title commitment.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851462 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-20 11:24 | 2025-11-20 11:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted with compensating factors. Client provided guideline exception allowing for less than required investor experience based on comp factors provided. - Due Diligence Vendor-11/20/2025 <br> Open-Borrower owns investment property with < 12 month's seasoning. - Due Diligence Vendor-11/20/2025 |  | Waived-Client exception granted with compensating factors. Client provided guideline exception allowing for less than required investor experience based on comp factors provided. - Due Diligence Vendor-11/20/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 405.29 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Investment Property DSCR Exceeds 1.15 | Credit Score 30+ points > minimum required; DSCR > 1.3; Reserves exceed requirement by 10 months or more; |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 851477 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851497 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 10:51 | 2025-11-25 11:45 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/25/2025 <br> Resolved- - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Please see the QCD to xxxxxx. xxxxxx! - Due Diligence Vendor-11/25/2025 <br> Open-Property Title Issue Missing item#5 of title commitment showing Quit claim deed from xxxxxx and xxxxxx to xxxxxx. - Due Diligence Vendor-11/13/2025 |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/25/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.26% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | Full Review851497_xxxxxx_11_25_2025_94724_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851497 | xxxxxx | D A | Closed | xxxxxx | 2025-11-12 11:05 | 2025-11-19 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see the Condo Questionnaire Attached. xxxxxx! - Due Diligence Vendor-11/18/2025 <br> Open-HOA Questionnaire Document status is Missing. Missing Condo questionnaire. Lender xxxxxx review in file (103112) but not project questionnaire - Due Diligence Vendor-11/13/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-11/19/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.26% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | Full Review851497_xxxxxx_11_18_2025_122403_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851516 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-30 12:50 | 2026-01-05 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Please see attached UDM Credit Report. - Due Diligence Vendor-01/05/2026 <br> Open-Borrower 1 Gap Credit Report is Missing. Per guidelines A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan <br> closing or any time after closing. - Due Diligence Vendor-12/30/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/05/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.93 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 - 19.94 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 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 44.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 851516_xxxxxxUDMReport_xxxxxx_12102025064604462.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851516 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-29 17:23 | 2026-01-01 17:04 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026 <br> Ready for Review-Document Uploaded. Please see attached Initial CD and Compliance Log. - Due Diligence Vendor-12/31/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. <br> - Due Diligence Vendor-12/29/2025 |  | Resolved-Initial Closing Disclosure received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.93 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 - 19.94 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 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 44.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Full Review851516_xxxxxx_12_31_2025_14158_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851553 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851561 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 851607 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851654 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851682 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851699 | xxxxxx | D A | Closed | xxxxxx | 2025-12-04 16:37 | 2025-12-04 16:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Prepayment Penalty Information Unavailable | Resolved-All required documents to update have been provided (Note, PCCD, DOT w/ Condo Rider, PPP Rider, Assignment of Lease and Rents Rider). - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Docs loaded - Due Diligence Vendor-12/04/2025 <br> Open-Loan should have closed with a PPP. Needed document updates: Note / Addendum, LOE to borrower for correction and PCCD (as this is what we have instructed they provide to add PPP). - Due Diligence Vendor-12/04/2025 |  | Resolved-All required documents to update have been provided (Note, PCCD, DOT w/ Condo Rider, PPP Rider, Assignment of Lease and Rents Rider). - Due Diligence Vendor-12/04/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.41 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 851699_xxxxxx corrected documents.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851718 | xxxxxx | B A | Closed | xxxxxx | 2025-12-05 12:02 | 2025-12-11 13:47 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-12/10/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/05/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 194.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 194.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.5 Years Borrower At Current Residence For Five (5) Or More Years - 28.5 Years<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 660 By Twenty (20) or More Points Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review851718_xxxxxx_12_9_2025_91923_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851744 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851816 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851833 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851864 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-09 00:37 | 2026-01-13 10:08 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD. - Due Diligence Vendor-01/13/2026 <br> Resolved- - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team , please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-01/12/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxxxxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. xxxxxx Team , please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-01/12/2026 | Resolved-Received PCCD. - Due Diligence Vendor-01/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.43 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77.41% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | xxxxxx_PCCD updated.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851864 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-09 09:00 | 2026-01-12 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-xxxxxx lease agreement provided verifying $860.05 new monthly payment - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, it was included in the CP. xxxxxx - Seller-01/12/2026 <br> Open-. Provide New Lease terms with xxxxxx to confirm new monthly payment is no more than $860.05 as utilized for approval. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. xxxxxx Team, it was included in the CP. xxxxxx - Seller-01/12/2026 | Resolved-xxxxxx lease agreement provided verifying $860.05 new monthly payment - Due Diligence Vendor-01/12/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.43 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77.41% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | Lease-Agreement-xxxxxx,-.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851918 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852039 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852066 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852119 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852136 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852137 | xxxxxx | B A | Closed | xxxxxx | 2025-11-25 07:35 | 2025-11-25 07:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client exception granted with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% Requesting an exception for LTV at 75% DSCR STR Cash Out Refinance - Due Diligence Vendor-11/25/2025 |  | Waived-Client exception granted with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% Requesting an exception for LTV at 75% DSCR STR Cash Out Refinance - Due Diligence Vendor-11/25/2025 | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 20.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> 0x30 for 48 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 852137 | xxxxxx | B A | Closed | xxxxxx | 2025-11-25 07:35 | 2025-11-25 07:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Requesting an exception for LTV at 75% DSCR STR Cash Out Refinance - Due Diligence Vendor-11/25/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Requesting an exception for LTV at 75% DSCR STR Cash Out Refinance - Due Diligence Vendor-11/25/2025 | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 20.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> 0x30 for 48 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 852137 | xxxxxx | B A | Closed | xxxxxx | 2025-11-25 07:35 | 2025-11-25 07:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client exception granted with compensating factors. Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Requesting an exception for LTV at 75% DSCR STR Cash Out Refinance - Due Diligence Vendor-11/25/2025 |  | Waived-Client exception granted with compensating factors. Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Requesting an exception for LTV at 75% DSCR STR Cash Out Refinance - Due Diligence Vendor-11/25/2025 | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 20.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> 0x30 for 48 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 852145 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852189 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852194 | xxxxxx | B A | Closed | xxxxxx | 2025-12-04 06:23 | 2025-12-08 14:01 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see the Approval. xxxxxx! - Due Diligence Vendor-12/08/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/04/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review852194_xxxxxx_12_5_2025_104938_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852195 | xxxxxx | B A | Closed | xxxxxx | 2025-12-04 06:58 | 2025-12-10 09:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. see UW approval - Due Diligence Vendor-12/09/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/04/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years |  | Full Review852195_xxxxxx_12_8_2025_22731_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852219 | xxxxxx | B A | Closed | xxxxxx | 2025-11-14 08:37 | 2025-11-26 14:16 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008 provided. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. This the same sheet that has been provided numerous times. See attached UW workbook that has never been a required doc on any other loans previously. - Due Diligence Vendor-11/26/2025 <br> Counter-The condition is for Missing Lenders 1008 - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see preapproval - Due Diligence Vendor-11/18/2025 <br> Open-1008/Underwriting Summary Not Provided Missing final 1008. - Due Diligence Vendor-11/14/2025 |  | Resolved-1008 provided. - Due Diligence Vendor-11/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review852219_xxxxxx_11_18_2025_121603_PM.zip<br> Full Review852219_xxxxxx_11_26_2025_121719_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852233 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852239 | xxxxxx | D A | Closed | xxxxxx | 2025-12-11 20:19 | 2025-12-15 18:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Second AVM provided. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. please see AVM - Due Diligence Vendor-12/12/2025 <br> Open-Missing guideline required secondary review product. Guidelines require both a primary and secondary valuation for all loan files. - Due Diligence Vendor-12/12/2025 |  | Resolved-Second AVM provided. - Due Diligence Vendor-12/15/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.57 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.58 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.75% 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 11.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  | Full Review852239_xxxxxx_12_12_2025_14129_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852239 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 04:59 | 2025-12-11 20:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-O&E equivalent provided - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Please review guidelines, 3.11.1 TITLE REPORT this should be acceptable for program - Due Diligence Vendor-12/11/2025 <br> Counter-The condition is for the entire Title Policy - the document that is being provided is a Title Preview Summary - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Title is re-uploaded. - Due Diligence Vendor-12/09/2025 <br> Counter-Condition is requesting the Full title policy that's missing from the loan file. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Please see attached. - Due Diligence Vendor-12/08/2025 <br> Open-Title Document is missing - Due Diligence Vendor-12/02/2025 |  | Resolved-O&E equivalent provided - Due Diligence Vendor-12/12/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.57 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.58 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.75% 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 11.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  | 852239_xxxxxx_Title_Commitment.pdf<br> Full Review852239_xxxxxx_12_8_2025_42317_PM.zip<br> 852239_xxxxxx_prelim.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852239 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 11:18 | 2025-12-08 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-12/08/2025 <br> Open-HOI is partial. Missing premium amount - Due Diligence Vendor-12/03/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/08/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.57 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.58 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.75% 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 11.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  | 852239_xxxxxx_HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852244 | xxxxxx | C A | Closed | xxxxxx | 2026-01-07 06:31 | 2026-01-22 12:24 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Subject Property Not Located Within Organized Taxing Jurisdiction. No property Taxes. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached tax documentation - Due Diligence Vendor-01/21/2026 <br> Open-Missing Property Tax Cert - Due Diligence Vendor-01/07/2026 |  | Resolved-Subject Property Not Located Within Organized Taxing Jurisdiction. No property Taxes. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 852244_xxxxxx-Tax_Sheet.pdf<br> 852244_xxxxxx-TITLE_CO_EMAIL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852281 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 12:50 | 2025-12-15 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-CPM provided - xxxxxx approved xxxxxx - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. 12/12/25 - please see HOA - Due Diligence Vendor-12/15/2025 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-12/03/2025 |  | Resolved-CPM provided - xxxxxx approved xxxxxx - Due Diligence Vendor-12/15/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 689 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 34.77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review852281_xxxxxx 12_12_2025_54926_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852289 | xxxxxx | B A | Closed | xxxxxx | 2025-11-23 03:06 | 2025-11-24 14:16 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/24/2025 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-11/23/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/24/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.33 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852297 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852366 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852428 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852442 | xxxxxx | D A B | Closed | xxxxxx | 2026-01-14 09:40 | 2026-01-19 10:30 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*\*Received disclosure. - Due Diligence Vendor-01/19/2026 <br> Ready for Review-Document Uploaded. 1/16/26 - Please see attached - Due Diligence Vendor-01/18/2026 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-01/14/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*\*Received disclosure. - Due Diligence Vendor-01/19/2026 | 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 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.22 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 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 27.72 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | 852442_xxxxxx_Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852442 | xxxxxx | D A B | Closed | xxxxxx | 2026-01-14 05:42 | 2026-01-18 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/18/2026 <br> Ready for Review-Document Uploaded. 1/16/26 - Please see attached - Due Diligence Vendor-01/18/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap report. - Due Diligence Vendor-01/14/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/18/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.22 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 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 27.72 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | 852442_xxxxxx_Gap_Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852442 | xxxxxx | D A B | Closed | xxxxxx | 2026-01-14 04:50 | 2026-01-16 14:53 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. 1/14/26 - please see attached - Due Diligence Vendor-01/15/2026 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-01/14/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/16/2026 | 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 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.22 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 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 27.72 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | 852442_xxxxxx_852442__FINAL__ldl-report_12242025133333_133333.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852475 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852480 | xxxxxx | B A | Closed | xxxxxx | 2025-12-06 07:46 | 2025-12-13 09:33 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/13/2025 <br> Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-12/12/2025 <br> Open-1008/Underwriting Summary Not Provided No final 1008 is on file - Due Diligence Vendor-12/06/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review852480_xxxxxx_12_11_2025_25245_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852505 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 08:00 | 2025-11-28 08:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client exception granted with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% Exception request for 80% LTV using short term rents for DSCR ratio. - Due Diligence Vendor-11/28/2025 |  | Waived-Client exception granted with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% Exception request for 80% LTV using short term rents for DSCR ratio. - Due Diligence Vendor-11/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 197.13 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 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | \* Experienced investor owns and manages 2 or more properties for 12 months<br> \* DSCR > 1.3 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852505 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 08:00 | 2025-11-28 08:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Exception request for 80% LTV using short term rents for DSCR ratio. - Due Diligence Vendor-11/28/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Exception request for 80% LTV using short term rents for DSCR ratio. - Due Diligence Vendor-11/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 197.13 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 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | \* Experienced investor owns and manages 2 or more properties for 12 months<br> \* DSCR > 1.3 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852505 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 08:00 | 2025-11-28 08:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client exception granted with compensating factors. Audited HCLTV of 80% exceeds Guideline HCLTV of 75% Exception request for 80% LTV using short term rents for DSCR ratio. - Due Diligence Vendor-11/28/2025 |  | Waived-Client exception granted with compensating factors. Audited HCLTV of 80% exceeds Guideline HCLTV of 75% Exception request for 80% LTV using short term rents for DSCR ratio. - Due Diligence Vendor-11/28/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 197.13 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 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | \* Experienced investor owns and manages 2 or more properties for 12 months<br> \* DSCR > 1.3 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852553 | xxxxxx | C A | Closed | xxxxxx | 2025-11-07 14:59 | 2025-12-01 10:28 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/01/2025 <br> Resolved-CLA provided. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. See 1008 - Due Diligence Vendor-11/14/2025 <br> Open-1008/Underwriting Summary Not Provided 1008 is missing - Due Diligence Vendor-11/07/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/01/2025 <br> Resolved-CLA provided. - Due Diligence Vendor-11/14/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 357.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 852553_xxxxxx_1008.pdf<br> 852553_xxxxxx_CLA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852553 | xxxxxx | C A | Closed | xxxxxx | 2025-11-07 14:59 | 2025-12-01 10:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 357.14 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Assets uploaded page 13 of 28 3.9 million - Due Diligence Vendor-12/01/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 2 - Due Diligence Vendor-11/07/2025 |  | Resolved-Audited Reserves of 357.14 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/01/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 357.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review852553_xxxxxx_12_1_2025_84325_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852553 | xxxxxx | C A | Closed | xxxxxx | 2025-11-07 14:53 | 2025-12-01 10:27 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. 13 of 28 of bank statement shows 3.9 million- this was transferred from the other account you have and placed in this account - Due Diligence Vendor-12/01/2025 <br> Open-Total Liquid Assets Available for Close of $49263.58 is less than Total Cash to Close $535717.47. - Due Diligence Vendor-11/07/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-12/01/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 357.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review852553_xxxxxx_12_1_2025_84325_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852579 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 07:44 | 2026-01-14 07:36 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received Initial LE - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. xxxxxx and disclosure history attached - Due Diligence Vendor-01/13/2026 <br> Counter-Documentation provided including the Intent to Proceed, indicates the Initial Loan Estimate was issued on xxxxxx. The xxxxxx Initial Loan Estimate has not been provided - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-12/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,110.95.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-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 |  | Resolved-\*\*Received Initial LE - Due Diligence Vendor-01/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 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 28.57% 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 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review852579_xxxxxx_1_13_2026_82535_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852579 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 07:44 | 2026-01-14 07:36 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received Initial LE - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see LE - Due Diligence Vendor-01/13/2026 <br> Counter-Documentation provided including the Intent to Proceed, indicates the Initial Loan Estimate was issued on xxxxxx. The xxxxxx Initial Loan Estimate has not been provided - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-12/18/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 |  | Resolved-\*\*Received Initial LE - Due Diligence Vendor-01/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 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 28.57% 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 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review852579_xxxxxx_1_13_2026_83913_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852579 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 07:44 | 2026-01-14 07:36 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received Initial LE - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see LE - Due Diligence Vendor-01/13/2026 <br> Counter-Documentation provided including the Intent to Proceed, indicates the Initial Loan Estimate was issued on xxxxxx. The xxxxxx Initial Loan Estimate has not been provided - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-12/18/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 |  | Resolved-\*\*Received Initial LE - Due Diligence Vendor-01/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 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 28.57% 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 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review852579_xxxxxx_1_13_2026_84013_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852579 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 07:44 | 2026-01-14 07:36 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*Received Initial LE - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see LE xxxxxx - Due Diligence Vendor-01/13/2026 <br> Counter-Documentation provided including the Intent to Proceed, indicates the Initial Loan Estimate was issued on xxxxxx. The xxxxxx Initial Loan Estimate has not been provided - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-12/18/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($390.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 |  | Resolved-\*\*Received Initial LE - Due Diligence Vendor-01/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 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 28.57% 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 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review852579_xxxxxx_1_13_2026_84921_AM.zip<br> 852579_xxxxxx_disclosure_loan_estimate_2.pdf<br> 852579_xxxxxx_disclosure_loan_estimate.pdf<br> 852579_xxxxxx_loan_estimate_xxxxxx_2.pdf<br> 852579_xxxxxx_loan_estimate_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852579 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 07:44 | 2026-01-14 07:36 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-\*\*Received Initial LE - Due Diligence Vendor-01/14/2026 <br> Counter- - Due Diligence Vendor-01/14/2026 <br> Counter-Documentation provided including the Intent to Proceed, indicates the Initial Loan Estimate was issued on xxxxxx. The xxxxxx Initial Loan Estimate has not been provided - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Documentation provided including the Intent to Proceed, indicates the Initial Loan Estimate was issued on xxxxxx. The xxxxxx Initial Loan Estimate has not been provided - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Ready for Review- - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. coc rate loan and loan estimate attached - Due Diligence Vendor-12/30/2025 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-12/18/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 |  | Resolved-\*\*Received Initial LE - Due Diligence Vendor-01/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 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 28.57% 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 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review852579_xxxxxx_12_29_2025_84138_AM.zip<br> 852579_xxxxxx_Loan_Estimate_(18).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852579 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 01:23 | 2025-12-30 07:52 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please see CD - Due Diligence Vendor-12/30/2025 <br> Open-TRID: Missing Final Closing Disclosure Date issued is xxxxxx and Closing date is xxxxxx, pages are cut off in the end. - Due Diligence Vendor-12/17/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/30/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 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 28.57% 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 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 852579_xxxxxx_Receipt_2025-12-28_101712.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852579 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 07:44 | 2025-12-30 07:50 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-xxxxxx Locked LE received - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Ready for Review- - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. please see log and LE - Due Diligence Vendor-12/30/2025 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. \*\*\*\* A Locked Loan Estimate is required to be provided to the consumer within 3 business days after loan is Locked, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 |  | Resolved-xxxxxx Locked LE received - Due Diligence Vendor-12/30/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 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 28.57% 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 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 852579_xxxxxx_Loan_Estimate_(18).pdf<br> 852579_xxxxxx_action_log.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852579 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 01:54 | 2025-12-22 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see flood cert - Due Diligence Vendor-12/22/2025 <br> Open-Missing Flood Certificate Flood certificate not present on file - Due Diligence Vendor-12/17/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 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 28.57% 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 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review852579_xxxxxx_12_18_2025_111133_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852581 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852607 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-06 16:16 | 2026-01-27 13:27 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-\*\*Received cure package - Due Diligence Vendor-01/27/2026 <br> Resolved- - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Cure docs PCCD - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Cure docs <br> - Due Diligence Vendor-01/26/2026 <br> Counter-Prior documents provided do not resolve this finding. The CD issued xxxxxx has a Section J lender credits intended as a cure of $26.51 and was reduced to $3.31 in the Final CD. Lender credits disclosed intended to cure cannot decrease. If lender intends to provide a refund, please note it has to be done within 60 days of discovery. Date of discovery is xxxxxx. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Closing disclosures - (No attachments were provided with Lenders rebuttal) - Due Diligence Vendor-01/09/2026 <br> Counter-\*\*Received Initial CD. Updated compliance test resulted in an additional finding. Section J lender credits intended as a cure decreased from $26.51 in the initial CD to $3.31 in the Final CD. Lender credits disclosed intended to cure cannot decrease. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <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 ($3.31) does not exceed or equal the comparable sum of specific and non-specific lender credits ($26.51). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/06/2026 |  | Cured-\*\*Received cure package - Due Diligence Vendor-01/27/2026 | 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 - 19.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 35.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.35% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 62.35% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review852607_xxxxxx_1_25_2026_44422_PM.zip<br> Full Review852607_xxxxxx_1_25_2026_44422_PM.zip<br> 852607_xxxxxx_Check_Request_Pkg.pdf_cure_docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852607 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-23 13:24 | 2026-01-06 16:26 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*Received ICD. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Initial CD and compliance log - Due Diligence Vendor-12/30/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-12/23/2025 |  | Resolved-\*Received ICD. - Due Diligence Vendor-01/06/2026 | 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 - 19.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 35.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.35% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 62.35% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review852607_xxxxxx_12_29_2025_42932_PM.zip<br> 852607_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251208_185151.pdf<br> 852607_xxxxxx_Loan_Compliance_Check.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852613 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852647 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-28 10:57 | 2025-11-24 15:43 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/24/2025 <br> Counter-Missing the Photographs confirming work was completed - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Will this surfice? - Seller-11/20/2025 <br> Counter-Document Uploaded. xxxxxx Seller guidelines will allow the following alternatives. See attached. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-will you accept photos from the local xxxxxx in lieu of 1004D borrower is out of town - Seller-11/14/2025 <br> Counter-Building permit provided however Missing the Final inspection and/or 1004D with images showing the new deck was completed. Please see screen capture within this condition. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Counter-Document Uploaded. The condition is for the 1004D as the appraisal is "Subject to new deck and/or extension acquiring a building permit and passing inspection". 1004D with images are missing. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/30/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025 <br> Ready for Review-Document Uploaded. Will this surfice? - Seller-11/20/2025 <br> Ready for Review-will you accept photos from the local xxxxxx in lieu of 1004D borrower is out of town - Seller-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-10/30/2025 | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-11/24/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | CCA_OTHER APPRAISAL REVIEW.pdf<br> Screenshot 2025-10-31 092311.jpg<br> Permit.pdf<br> thumbnail_image002 (1).png<br> attestation_letter_xxxxxx.pdf<br> xxxxxx docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852647 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-28 11:41 | 2025-10-30 11:43 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived-Client exception granted with compensating factors. Exception required to use W7 form in lieu of ITIN renewal - Due Diligence Vendor-10/28/2025 |  | Waived-Client exception granted with compensating factors. Exception required to use W7 form in lieu of ITIN renewal - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | DSCR ratio is 1.15 <br> Current FICO is of 746 while min required score is 660 exceeds minimum credit score requirement by at least 86 points. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852647 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-28 11:18 | 2025-10-28 11:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client exception granted with compensating factors. Audited CLTV of 67% exceeds Guideline CLTV of 60% Exception approval to allow current LTV of 67% exceeds the max allowed of 60% for Cash Out Refi<br> Exception approval to waive the 5-25% LTV reduction as property is located in a declining market reported by the appraiser - Due Diligence Vendor-10/28/2025 |  | Waived-Client exception granted with compensating factors. Audited CLTV of 67% exceeds Guideline CLTV of 60% Exception approval to allow current LTV of 67% exceeds the max allowed of 60% for Cash Out Refi<br> Exception approval to waive the 5-25% LTV reduction as property is located in a declining market reported by the appraiser - Due Diligence Vendor-10/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | COMPENSATING FACTORS: <br> - DSCR ratio is 1.15 <br> - Current FICO is of 746 while min required score is 660 exceeds minimum credit score requirement by at least 86 points. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852647 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-28 11:18 | 2025-10-28 11:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 67% exceeds Guideline LTV of 60% Exception approval to allow current LTV of 67% exceeds the max allowed of 60% for Cash Out Refi<br> Exception approval to waive the 5-25% LTV reduction as property is located in a declining market reported by the appraiser - Due Diligence Vendor-10/28/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 67% exceeds Guideline LTV of 60% Exception approval to allow current LTV of 67% exceeds the max allowed of 60% for Cash Out Refi<br> Exception approval to waive the 5-25% LTV reduction as property is located in a declining market reported by the appraiser - Due Diligence Vendor-10/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | COMPENSATING FACTORS: <br> - DSCR ratio is 1.15 <br> - Current FICO is of 746 while min required score is 660 exceeds minimum credit score requirement by at least 86 points. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852647 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-28 11:18 | 2025-10-28 11:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client exception granted with compensating factors. Audited HCLTV of 67% exceeds Guideline HCLTV of 60% Exception approval to allow current LTV of 67% exceeds the max allowed of 60% for Cash Out Refi<br> Exception approval to waive the 5-25% LTV reduction as property is located in a declining market reported by the appraiser - Due Diligence Vendor-10/28/2025 |  | Waived-Client exception granted with compensating factors. Audited HCLTV of 67% exceeds Guideline HCLTV of 60% Exception approval to allow current LTV of 67% exceeds the max allowed of 60% for Cash Out Refi<br> Exception approval to waive the 5-25% LTV reduction as property is located in a declining market reported by the appraiser - Due Diligence Vendor-10/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.77 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | COMPENSATING FACTORS: <br> - DSCR ratio is 1.15 <br> - Current FICO is of 746 while min required score is 660 exceeds minimum credit score requirement by at least 86 points. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852648 | xxxxxx | B A | Closed | xxxxxx | 2025-11-06 08:50 | 2025-11-06 15:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client exception granted with compensating factors. Guidelines require ITIN borrowers to have a minimum credit depth of three (3) acceptable tradelines aged individually for 2 years. Requesting approval to proceed with only 1 tradeline aged for 2 years. - Due Diligence Vendor-11/06/2025 |  | Waived-Client exception granted with compensating factors. Guidelines require ITIN borrowers to have a minimum credit depth of three (3) acceptable tradelines aged individually for 2 years. Requesting approval to proceed with only 1 tradeline aged for 2 years. - Due Diligence Vendor-11/06/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.1% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | DSCR > 1.25 <br> Borrower's FICO score is 39 points higher than the minimum required by the program. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852649 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-03 12:27 | 2025-11-13 09:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity Documents provided. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Counter-Missing By-Laws and all amendments as required per guidelines for vesting with a Corporation. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN . Provide Borrowing Resolution/Corporate Resolution granting authority of signer to enter loan obligation and By-Laws and all amendments as required per guidelines for vesting with a Corporation. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 | Resolved-Entity Documents provided. - Due Diligence Vendor-11/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | LLC OPERATING AGREEMENT & DOCUMENTS - VESTING.pdf<br> LLC VESTING ï¿½ IRS EIN LETTER.pdf<br> LLC VESTING ï¿½ CERTIFICATE OF GOOD STANDING 1.pdf<br> LLC VESTING ï¿½ CERTIFICATE OF GOOD STANDING.pdf<br> LLC OPERATING AGREEMENT & DOCUMENTS - VESTING.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852649 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-03 06:42 | 2025-11-03 13:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 70% exceeds Guideline LTV of 60% Current LTV of 70% exceeds the max allowed of 60% for no primary residence - Due Diligence Vendor-11/03/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 70% exceeds Guideline LTV of 60% Current LTV of 70% exceeds the max allowed of 60% for no primary residence - Due Diligence Vendor-11/03/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Fico score is 720<br> 2. DSCR is 1.06<br> 3. Post closing reserves of 104.42, program requires 2 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 852649 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-03 06:15 | 2025-11-03 06:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client exception granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Property located in xxxxxx area. No indication of income generating activity in the subject property. - Due Diligence Vendor-11/03/2025 |  | Waived-Client exception granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Property located in xxxxxx area. No indication of income generating activity in the subject property. - Due Diligence Vendor-11/03/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1. Fico score is 720<br> 2. DSCR is 1.06<br> 3. Post closing reserves of 104.42, program requires 2 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 852651 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-17 15:49 | 2025-11-17 15:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Client exception granted with compensating factors. Client exception granted with compensating factors to waive modification seasoning requirement. - Due Diligence Vendor-11/17/2025 <br> Open-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. - Loan modification due to extension occurred on xxxxxx and does not meet the 24 month seasoning requirement. - Due Diligence Vendor-11/17/2025 |  | Waived-Client exception granted with compensating factors. Client exception granted with compensating factors to waive modification seasoning requirement. - Due Diligence Vendor-11/17/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 698 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Audited reserves exceed guideline minimum - Audited reserves of 7.55 months exceed minimum 2 month requirement. | 1. Fico is 698<br> 2. Post closing reserves is 7.55, program requires 2 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852651 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-17 15:47 | 2025-11-17 15:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted with compensating factors. Client waived with compensating factors to allow account activity/payment ledger as evidence of mortgage payment history. - Due Diligence Vendor-11/17/2025 <br> Open-Missing acceptable evidence of mortgage payment history. - Due Diligence Vendor-11/17/2025 |  | Waived-Client exception granted with compensating factors. Client waived with compensating factors to allow account activity/payment ledger as evidence of mortgage payment history. - Due Diligence Vendor-11/17/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 698 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Audited reserves exceed guideline minimum - Audited reserves of 7.55 months exceed minimum 2 month requirement. | 1. Fico is 698<br> 2. Post closing reserves is 7.55, program requires 2 month |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852651 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-28 15:30 | 2025-10-28 15:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Current LTV of 66.67 exceeds the max allowed of 60% for no primary residence (15% reduction) - Due Diligence Vendor-10/28/2025 |  | Waived-Client exception granted with compensating factors. Current LTV of 66.67 exceeds the max allowed of 60% for no primary residence (15% reduction) - Due Diligence Vendor-10/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 698 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Audited reserves exceed guideline minimum - Audited reserves of 7.55 months exceed minimum 2 month requirement. | 1. Fico is 698<br> 2. Post closing reserves is 7.55, program requires 2 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852652 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-17 15:43 | 2025-11-17 15:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property has been listed for sale in the past six months | Waived-Client exception granted with compensating factors. Client waived with compensating factors to allow a cash out transaction with property that was listed for sale within the last 6 months. (xxxxxx) - Due Diligence Vendor-11/17/2025 <br> Open-- Transaction is ineligible for cash out refinance. - Due Diligence Vendor-11/17/2025 |  | Waived-Client exception granted with compensating factors. Client waived with compensating factors to allow a cash out transaction with property that was listed for sale within the last 6 months. (xxxxxx) - Due Diligence Vendor-11/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.91% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | 1. DSCR 1.34<br> 2. Credit Score is 667, minimum required is 640.<br> 3. Post closing reserves is 94.02 months which program requires 2 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852652 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-27 16:41 | 2025-11-05 07:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease Agreement provided. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-Missing lease agreement for subject property to confirm lease amount, as 1007 and operting income statement show two different amounts. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Lease Agreement provided. - Due Diligence Vendor-11/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.91% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | LEASE AGREEMENTS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852656 | xxxxxx | B A | Closed | xxxxxx | 2025-10-24 03:31 | 2025-10-24 03:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Exception approval to allow current LTV of 80%, maximum allowed is 75% for First Time Investor - Due Diligence Vendor-10/24/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Exception approval to allow current LTV of 80%, maximum allowed is 75% for First Time Investor - Due Diligence Vendor-10/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.5 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.25 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Current FICO is of 774 while min required score is 640 exceeds minimum credit score requirement by at least 134 points. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 852661 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 14:55 | 2025-11-03 14:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Client exception granted with compensating factors. Exception approval for subject property with size of xxxxxx acres which exceeds the max allowed of 2 ac. Exception approval for appraisal transfer report that is more than 45 days upon loan submission. Per guideline, transfer appraisal must be within 45 days - Due Diligence Vendor-11/03/2025 |  | Waived-Client exception granted with compensating factors. Exception approval for subject property with size of xxxxxx acres which exceeds the max allowed of 2 ac. Exception approval for appraisal transfer report that is more than 45 days upon loan submission. Per guideline, transfer appraisal must be within 45 days - Due Diligence Vendor-11/03/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.95 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years | Borrower exceeds minimum credit score requirement by at least 47 points. <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • Current LTV is 25% less than max allowed. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852661 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 14:55 | 2025-11-03 14:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-Client exception granted with compensating factors. Exception approval for illegal zoning. As per appraiser, non-permitted/illegal spaces were excluded in GLA, value calculations and rental income. <br> Note that residential use is allowed in this rural zone area - Due Diligence Vendor-11/03/2025 |  | Waived-Client exception granted with compensating factors. Exception approval for illegal zoning. As per appraiser, non-permitted/illegal spaces were excluded in GLA, value calculations and rental income. <br> Note that residential use is allowed in this rural zone area - Due Diligence Vendor-11/03/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.95 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years | Borrower exceeds minimum credit score requirement by at least 47 points. <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • Current LTV is 25% less than max allowed |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852661 | xxxxxx | B A | Closed | xxxxxx | 2025-11-03 07:14 | 2025-11-03 14:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client exception granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approval for subject property rural agricultural zoning. Per guideline, rural agricultural zone property is ineligible - Due Diligence Vendor-11/03/2025 |  | Waived-Client exception granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approval for subject property xxxxxx. Per guideline, rural agricultural zone property is ineligible - Due Diligence Vendor-11/03/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.95 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years | Borrower exceeds minimum credit score requirement by at least 47 points. <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • Current LTV is 25% less than max allowed |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852662 | xxxxxx | B A | Closed | xxxxxx | 2025-11-05 15:45 | 2025-11-05 15:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client exception granted with compensating factors. Exception for tradeline requirements not met. Borrowers have only two active tradelines with less than 24 months <br> coverage - Due Diligence Vendor-11/05/2025 |  | Waived-Client exception granted with compensating factors. Exception for tradeline requirements not met. Borrowers have only two active tradelines with less than 24 months <br> coverage - Due Diligence Vendor-11/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.55 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | COMPENSATING FACTORS: <br> 1. Post closing reserves of 15.39 months <br> 2. Fico of 820 is 160 points higher than minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852662 | xxxxxx | B A | Closed | xxxxxx | 2025-11-05 15:44 | 2025-11-05 15:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Client exception granted with compensating factors. GUIDELINE EXCEPTION 1: Exception is required for property value in the area is declining - subject appraisal "as is" valuation is supported by three valid appraisal review products. Appraisal confirms the market has no impact on subject property valuation. - Due Diligence Vendor-11/05/2025 |  | Waived-Client exception granted with compensating factors. GUIDELINE EXCEPTION 1: Exception is required for property value in the area is declining - subject appraisal "as is" valuation is supported by three valid appraisal review products. Appraisal confirms the market has no impact on subject property valuation. - Due Diligence Vendor-11/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.55 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | COMPENSATING FACTORS: <br> 1. Post closing reserves of 15.39 months <br> 2. Fico of 820 is 160 points higher than minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852664 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852669 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852671 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852688 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852703 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852753 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852767 | xxxxxx | C A | Closed | xxxxxx | 2025-11-18 15:24 | 2025-11-21 08:32 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-11/20/2025 <br> Open-If the score exceeds 2.5, the file must include either an enhanced desk review, field review, or second appraisal. - Due Diligence Vendor-11/18/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-11/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.03 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review852767_xxxxxx_11_19_2025_122846_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852780 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852851 | xxxxxx | B A | Closed | xxxxxx | 2025-11-20 05:55 | 2025-11-25 16:27 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. - Seller-11/25/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/25/2025<br>|  |  | xxxxxx 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852876 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852886 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-11 19:27 | 2026-01-07 18:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted with compensating factors. Document Uploaded. - Due Diligence Vendor-01/07/2026 <br> Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: for Missing 1007 required by Guidelines. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 2 months or more - Due Diligence Vendor-12/30/2025 <br> Counter-Document Uploaded. Missing Approved Exception form regarding Missing 1007 required by Guidelines - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Please see Executed Lease Agreement & Deposit. In addition per the Seller notes below, xxxxxx will honor our new guidelines (11/10/25). - Due Diligence Vendor-12/29/2025 <br> Open-Missing 1007 market rent estimate or evidence of security deposit and first months rent on departing residence utilizing rental income to qualify xxxxxx. - Due Diligence Vendor-12/12/2025 |  | Waived-Client exception granted with compensating factors. Document Uploaded. - Due Diligence Vendor-01/07/2026 <br>Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: for Missing 1007 required by Guidelines. - Due Diligence Vendor-12/30/2025<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 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.50 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - Reserves exceed requirement by 2 months or more | 852886_xxxxxx_-_Rent_Deposit_-_xxxxxx_Docs.pdf<br> 852886_xxxxxx_loe.pdf<br> 852886_xxxxxx_-_Executed_Lease.pdf<br> Screenshot 2025-12-29 114537.jpg<br> 852886 Property Tax Calc.pdf<br> 852886 - DTI Drift.msg | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 852886 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-23 00:11 | 2025-12-08 14:50 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see the Final 1003. xxxxxx! - Due Diligence Vendor-12/08/2025 <br> Open-The Final 1003 is Incomplete - Information is Not Clear with ULI Number , Rental Property & Declaration property Section first page , Information Updated from Initial 1003 - Due Diligence Vendor-11/23/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/08/2025<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 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.50 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years |  | Full Review852886_xxxxxx_12_5_2025_20352_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852886 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-23 00:46 | 2025-12-08 14:48 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Clear readable appraisal provided. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see Appraisal. xxxxxx! - Due Diligence Vendor-12/08/2025 <br> Open-Appraisal Documents are not clear pages some information are missing with property address , Appraisal value etc - Due Diligence Vendor-11/23/2025 |  | Resolved-Clear readable appraisal provided. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.50 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years |  | Full Review852886_xxxxxx_12_5_2025_20501_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852886 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-23 00:56 | 2025-12-08 08:25 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Total of Payments (TOP) discrepancy | Resolved-Legible FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see the Final CD. xxxxxx! - Due Diligence Vendor-12/08/2025 <br> Open-Final CD Pages are Not Clear Some Information are Missing with front pages Information are in Cut pages - Due Diligence Vendor-11/23/2025 |  | Resolved-Legible FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/08/2025<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 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.50 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years |  | 852886_xxxxxx_final_cd.pdf<br> 852886_xxxxxx_final_cd_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852897 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852916 | xxxxxx | C A | Closed | xxxxxx | 2025-12-10 16:19 | 2025-12-15 09:29 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event details provided - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please see attached COC. xxxxxx! - Due Diligence Vendor-12/12/2025 <br> Open-<br> The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $937.35. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $937.35 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $937.35.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-COC event details provided - Due Diligence Vendor-12/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.12% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.61 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years |  | Full Review852916_xxxxxx_12_12_2025_115259_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852916 | xxxxxx | C A | Closed | xxxxxx | 2025-12-10 16:19 | 2025-12-15 09:29 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event details provided - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please see attached COC. xxxxxx! - Due Diligence Vendor-12/12/2025 <br> Open-<br> The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $937.35. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $937.35 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-COC event details provided - Due Diligence Vendor-12/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.12% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.61 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years |  | Full Review852916_xxxxxx_12_12_2025_115226_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852916 | xxxxxx | C A | Closed | xxxxxx | 2025-12-10 16:19 | 2025-12-15 09:29 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please see attached COC. xxxxxx! - Due Diligence Vendor-12/12/2025 <br> Open-<br> The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $937.35. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $937.35 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 |  | Resolved- - Due Diligence Vendor-12/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.12% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.61 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years | COC event details provided | Full Review852916_xxxxxx_12_12_2025_115226_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852920 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852935 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852945 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852989 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852990 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 852991 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 09:18 | 2025-10-24 15:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-Title Document is missing - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.17 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | PRELIM TITLE REPORT - 2025-10-23Txxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852993 | xxxxxx | D A | Closed | xxxxxx | 2025-10-15 10:26 | 2025-10-17 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. It is FSOB - Seller-10/17/2025 <br> Open-Purchase Contract Is Missing Missing executed sales contract. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. It is FSOB - Seller-10/17/2025<br>| Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/17/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | PURCHASE CONTRACT (28).pdf<br>escrow.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852994 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852995 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852998 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853001 | xxxxxx | D A | Closed | xxxxxx | 2025-11-10 05:21 | 2025-11-12 09:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 <br> Open-Missing Hazard Insurance Policy Provide Subject property Hazard Insurance with Premium and Coverage Amount - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 245.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 73.16% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | UPDATED HAZARD INSURANCE (19).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853002 | xxxxxx | D A | Closed | xxxxxx | 2025-11-08 02:03 | 2025-11-11 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Do not need assets - Seller-11/10/2025 <br> Open-Asset 1 Missing - xxxxxx statement to confirm assets stated on f1003. - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. Do not need assets - Seller-11/10/2025<br>| Resolved-Asset 1 Provided - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.03 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.94% 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 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | _1003_19_pdf (27).pdf<br>transmittal_19_pdf (65).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853003 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853006 | xxxxxx | B A | Closed | xxxxxx | 2025-11-07 07:07 | 2025-11-07 07:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client exception granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program as rural >5 acres; subject is xxxxxx acres - Due Diligence Vendor-11/07/2025 |  | Waived-Client exception granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program as rural >5 acres; subject is xxxxxx acres - Due Diligence Vendor-11/07/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - FICO greater than min guideline requirement Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - post closing months reserves than min guideline requirement Months Reserves Of 9.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1.FICO 20+ points<br> 2.PITIA reserves above min by 6 months<br> 3.DSCR > 1.00 (DSCR Only) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853009 | xxxxxx | C A | Closed | xxxxxx | 2025-11-04 11:46 | 2025-11-05 12:26 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Quitclaim Deed provided. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-Property Title Issue Missing deed transferring from xxxxxx and xxxxxx to borrower as seen as part of closing instructions, #6 on title commitment - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Quitclaim Deed provided. - Due Diligence Vendor-11/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 20251104175908386.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853011 | xxxxxx | B A | Closed | xxxxxx | 2025-11-06 04:43 | 2025-11-06 16:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Lender exception (xxxxxx) for LTV 5% higher than guidelines - Due Diligence Vendor-11/06/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Lender exception (xxxxxx) for LTV 5% higher than guidelines - Due Diligence Vendor-11/06/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.08 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 699 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | PITIA reserves above min by 6 months<br> DSCR > 1 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853013 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853020 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853024 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853027 | xxxxxx | B A | Closed | xxxxxx | 2025-11-07 04:57 | 2025-11-09 07:36 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/09/2025 <br> Ready for Review-Document Uploaded. - Seller-11/08/2025 <br> Open-1008/Underwriting Summary Partially Provided - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/08/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.48 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 39.89% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | 1008 - FINAL (19).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853030 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853036 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853037 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853039 | xxxxxx | D A | Closed | xxxxxx | 2025-11-04 11:58 | 2025-11-07 11:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-Signature page provided. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Counter-Document Uploaded. xxxxxx for the confusion, The "Loan Agreement" (27 pages) is missing the Lenders Signature. See uploaded Screenshot. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Please clarify which loan agreement - Seller-11/04/2025 <br> Open-Loan Agreement is not executed by Lender. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Ready for Review-Please clarify which loan agreement - Seller-11/04/2025<br>| Resolved-Signature page provided. - Due Diligence Vendor-11/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 371.05 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |  | Screenshot 2025-11-06 094643.jpg<br>Loan Agreement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853048 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853057 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853059 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 18:14 | 2025-09-29 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-EIN provided - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN ------ Missing EIN, other docs in file. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-EIN provided - Due Diligence Vendor-09/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.84 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx - EIN.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853060 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853064 | xxxxxx | C A | Closed | xxxxxx | 2025-10-09 20:51 | 2025-10-16 10:39 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated Appraisal provided stating: The subject is a "PUD" but pays no HOA or PUD fees per available information. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. This was previously provided. the appraiser added commentary on page 41 there was no HOA - Seller-10/15/2025 <br> Counter-Provide updated appraisal when completed - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. the appraiser added commentary on page 41 there was no HOA.<br>Updated 1008 attached appraisal coming next. DSCR remains <1.0 so no impact to qualifying or pricing. - Seller-10/14/2025 <br> Counter-The updated appraisal does not reflect the monthly/annual HOA fee - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-Appraisal does not indicate property as Pud. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. This was previously provided. the appraiser added commentary on page 41 there was no HOA - Seller-10/15/2025 <br>Ready for Review-Document Uploaded. the appraiser added commentary on page 41 there was no HOA.<br>Updated 1008 attached appraisal coming next. DSCR remains <1.0 so no impact to qualifying or pricing. - Seller-10/14/2025 <br>Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-Updated Appraisal provided stating: The subject is a "PUD" but pays no HOA or PUD fees per available information. - Due Diligence Vendor-10/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 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 104.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | APPRAISAL REPORT (26).pdf<br>1008 - FINAL (19) (1).pdf<br>_1003_19_pdf (25).pdf<br>APPRAISAL REPORT (28).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853068 | xxxxxx | B A | Closed | xxxxxx | 2025-11-05 18:29 | 2025-11-06 16:42 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-1008/Underwriting Summary Not Provided . Provide 1008 or loan approval. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 1008 - FINAL (96).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853069 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853071 | xxxxxx | B A | Closed | xxxxxx | 2025-11-06 01:05 | 2025-11-06 01:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client exception granted with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% 80%CLTV exception with short term rental & CLTV to 80% vs 75% for DSCR ratio <1 - Due Diligence Vendor-11/06/2025 |  | Waived-Client exception granted with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% 80%CLTV exception with short term rental & CLTV to 80% vs 75% for DSCR ratio <1 - Due Diligence Vendor-11/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 152.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1.FICO 20+ points<br> 2.PITIA reserves above min by 6 months<br> 3.experienced investor 0x30x36+ |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853071 | xxxxxx | B A | Closed | xxxxxx | 2025-11-06 01:05 | 2025-11-06 01:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% 80%LTV exception with short term rental & LTV to 80% vs 75% for DSCR ratio <1 - Due Diligence Vendor-11/06/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% 80%LTV exception with short term rental & LTV to 80% vs 75% for DSCR ratio <1 - Due Diligence Vendor-11/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 152.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1.FICO 20+ points<br> 2.PITIA reserves above min by 6 months<br> 3.experienced investor 0x30x36+ |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853071 | xxxxxx | B A | Closed | xxxxxx | 2025-11-06 01:05 | 2025-11-06 01:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client exception granted with compensating factors. Audited HCLTV of 80% exceeds Guideline HCLTV of 75% 80%HLTV exception with short term rental & HLTV to 80% vs 75% for DSCR ratio <1 - Due Diligence Vendor-11/06/2025 |  | Waived-Client exception granted with compensating factors. Audited HCLTV of 80% exceeds Guideline HCLTV of 75% 80%HLTV exception with short term rental & HLTV to 80% vs 75% for DSCR ratio <1 - Due Diligence Vendor-11/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 152.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1.FICO 20+ points<br> 2.PITIA reserves above min by 6 months<br> 3.experienced investor 0x30x36+ |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853072 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853073 | xxxxxx | B A | Closed | xxxxxx | 2025-10-29 11:48 | 2025-10-30 11:30 | Resolved | 1 - Information B A | Credit | Missing Doc | Application Missing | Resolved- - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Confirming, only 1 borrower - Seller-10/29/2025 <br> Open-As per final 1003, Borrower is applying for joint credit, total number of borrowers reflecting as 2. But as per 1008, appraisal, credit report, only one borrower in file. <br> 2. Note, DOT and settlement Statement signed by non borrower xxxxxx.<br> Confirm only one borrower on file - Due Diligence Vendor-10/29/2025 | Ready for Review-Confirming, only 1 borrower - Seller-10/29/2025<br>|  | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.68 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 49.68 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.41% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 38.41% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853074 | xxxxxx | D A | Closed | xxxxxx | 2025-10-30 18:01 | 2025-11-03 12:43 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Open-Appraisal is Missing - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.75 Years |  | APPRAISAL REPORT (29).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853077 | xxxxxx | D A | Closed | xxxxxx | 2025-10-29 13:19 | 2025-11-03 10:01 | Resolved | 1 - Information B A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Updated 1008 provided - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/30/2025 <br> Open-1008 indicated exception for cash in hand>$500,000; BWR received $550,000. However, guides indicated $1,000,000 when LTV < 65%. Exception was not in the file - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/30/2025<br>| Resolved-Updated 1008 provided - Due Diligence Vendor-11/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 136.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 136.28 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 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.95% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 63.95% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | transmittal_19_pdf (56).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853077 | xxxxxx | D A | Closed | xxxxxx | 2025-10-29 13:00 | 2025-11-03 09:59 | Resolved | 1 - Information B A | Credit | Missing Doc | Application Missing | Resolved- - Due Diligence Vendor-11/03/2025 <br> Ready for Review-confirming only 1 borrower - Seller-10/30/2025 <br> Open-confirm no second borrower.<br> Final 1003 indicated BWR applied as joint credit. However, credit, 1003, xxxxxx, only had 1 borrower and 1008 reflected as 1 borrower. DOT, loan agreement, and note signed by xxxxxx, member of the business entity as the other borrower - Due Diligence Vendor-10/29/2025 | Ready for Review-confirming only 1 borrower - Seller-10/30/2025<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 136.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 136.28 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 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.95% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 63.95% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853077 | xxxxxx | D A | Closed | xxxxxx | 2025-10-29 08:34 | 2025-11-03 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-LLC Documents provided - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/30/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Articles of formation/ Certificate of good standing - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/30/2025<br>| Resolved-LLC Documents provided - Due Diligence Vendor-11/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 136.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 136.28 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 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.95% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 63.95% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | LLC DOCUMENT OR ENTITY DOCUMENT (47).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (48).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (49).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853090 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 16:43 | 2025-09-23 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Resolved-Valid Drivers License Provided. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Open-B1 xxxxxx DL provided is poor copy, unable to read. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025<br>| Resolved-Valid Drivers License Provided. - Due Diligence Vendor-09/23/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years |  | DRIVER'S LICENSES (2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853090 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 11:45 | 2025-09-18 11:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% 5% LTV exception to 75% for FTI - Due Diligence Vendor-09/18/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% 5% LTV exception to 75% for FTI - Due Diligence Vendor-09/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br> Property Equity - Subject property has $9,000 in additional equity not accounted for in qualifying LTV. Purchase price of xxxxxx with an appraised value of xxxxxx with supporting secondary valuation. | 1 DSCR > 1.00 (DSCR Only) <br> Other - above 3 mos reserves  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853090 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 11:45 | 2025-09-18 11:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client exception granted with compensating factors. Audited FICO of 687 is less than Guideline FICO of 720 687 FICO vs 720 for FTI - Due Diligence Vendor-09/18/2025 |  | Waived-Client exception granted with compensating factors. Audited FICO of 687 is less than Guideline FICO of 720 687 FICO vs 720 for FTI - Due Diligence Vendor-09/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br> Property Equity - Subject property has $9,000 in additional equity not accounted for in qualifying LTV. Purchase price of xxxxxx with an appraised value of xxxxxx with supporting secondary valuation. | DSCR > 1.00 (DSCR Only) <br> Other - above 3 mos reserves  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853121 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853126 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 853218 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853293 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 22:46 | 2025-12-22 18:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-validated - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Can you please see if we can get the following condition signed off? All pages to the Title Commitment have been uploaded. Missing only the cover page. - Buyer-12/22/2025 <br> Counter-The File is missing the entire Title Policy, what was provided is a xxxxxx property report. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached title as this loan is a CES with loan amount < $250K. - Due Diligence Vendor-12/22/2025 <br> Open-Title Document is missing Please provide subject property title policy as it was missing from the upload package with all the other loan documentation - Due Diligence Vendor-12/18/2025 |  | Resolved-validated - Due Diligence Vendor-12/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.17% 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 - 18.54 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.54 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>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 720 By Twenty (20) or More Points |  | Full Review853293_xxxxxx_12_19_2025_101726_AM.zip<br> xxxxxx_Title Commitment-Preliminary Report (3).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853307 | xxxxxx | D A | Closed | xxxxxx | 2026-01-11 01:24 | 2026-01-15 15:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. master policy - Due Diligence Vendor-01/14/2026 <br> Open-HO-6 Insurance Policy is Missing The HO-6 insurance policy is missing for the subject property located at xxxxxx, Unit xxxxxx. - Due Diligence Vendor-01/11/2026 |  | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-01/15/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 35.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 735 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | 853307_xxxxxx_Master_policy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853340 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853343 | xxxxxx | B A | Closed | xxxxxx | 2025-11-26 11:54 | 2025-12-10 09:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. See 1008 - Due Diligence Vendor-12/09/2025 <br> Open-1008/Underwriting Summary Not Provided Please provide most recent and qualifying 1008/Underwriting Summary - Due Diligence Vendor-11/26/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.95 Are Greater Than The Guideline Minimum Months Reserves Of 84.95 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review853343_xxxxxx_12_8_2025_23202_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853377 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-23 10:51 | 2026-01-07 09:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-01/06/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/23/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/07/2026<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 - 12.95 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.95 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 681.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 853377_xxxxxx_Income_Worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853377 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-23 10:43 | 2026-01-07 09:25 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Final Inspection - Due Diligence Vendor-01/06/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-12/23/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-01/07/2026<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 - 12.95 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.95 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 681.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 853377_xxxxxx_Final_inspection.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853377 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-23 01:49 | 2026-01-07 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. Please see gap report - Due Diligence Vendor-01/06/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/23/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/07/2026<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 - 12.95 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.95 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 681.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 853377_xxxxxx_Credit_Refresh.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853379 | xxxxxx | B A | Closed | xxxxxx | 2025-11-17 05:43 | 2025-11-20 13:41 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Per guidelines either the CLA or 1008 is required not both. Please review Conditional Loan approval - Buyer-11/20/2025 <br> Counter-Unbale to open attachment, Please re-upload. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. 11/18/25 - Uploaded CLA - Due Diligence Vendor-11/19/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/17/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/20/2025<br>| Borrower At Current Residence For Five (5) Or More Years - 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 - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review853379_xxxxxx_11_18_2025_65645_PM.zip<br> CLA xxxxxx (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853385 | xxxxxx | C A | Closed | xxxxxx | 2025-11-20 08:40 | 2025-12-01 10:52 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Asset 1 Not Expired - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. See attached foreign account statement with translation for verified funds to close. - Due Diligence Vendor-12/01/2025 <br> Open-Asset 1 Expired xxxxxx acct xxxxxx dated 7/31/2024 - Due Diligence Vendor-11/26/2025 |  | Resolved-Asset 1 Not Expired - Due Diligence Vendor-12/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review853385_xxxxxx_12_1_2025_92104_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853432 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853434 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853437 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 00:39 | 2025-12-05 10:43 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. 12/3/25 - Per guidelines either CLA or 1008 is required not both. Please see uploaded CLA - Due Diligence Vendor-12/04/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/02/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 409.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review853437_xxxxxx_12_3_2025_54501_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853437 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 08:02 | 2025-12-05 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. 12/3/25 - Lender response: This is a xxxxxx - there is no tax cert. See title report page we pulled to reflect what taxes are and email from Title w/ calculation. - Due Diligence Vendor-12/04/2025 <br> Open-Missing Property Tax Cert - Due Diligence Vendor-12/01/2025 |  | Resolved-Property Tax Cert Provided - Due Diligence Vendor-12/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 409.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review853437_xxxxxx_12_3_2025_54705_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853437 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 08:02 | 2025-12-05 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. 12/3/25 - please see title doc uploaded - Due Diligence Vendor-12/04/2025 <br> Open-Title Document is missing - Due Diligence Vendor-12/01/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 409.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review853437_xxxxxx_12_3_2025_54731_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853459 | xxxxxx | D A | Closed | xxxxxx | 2026-01-11 00:20 | 2026-01-15 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. 1/13/26 - UDM was in original credit package upload; found on page 595 of 979. Please see attached for convenience of review. - Due Diligence Vendor-01/14/2026 <br> Open-Borrower 1 Gap Credit Report is Missing. Maximm 30 days per xxxxxx GL Section 2.6.2. - Due Diligence Vendor-01/11/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.77% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 79.77% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.35 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.35 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 Years Borrower At Current Residence For Five (5) Or More Years - 5.67 Years |  | 853459_xxxxxx_853459_UDM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853469 | xxxxxx | D A B | Closed | xxxxxx | 2025-11-24 18:18 | 2025-12-02 07:04 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Please see the uploaded application. xxxxxx! - Due Diligence Vendor-12/01/2025 <br> Open-The Final 1003 is Missing in the loan File. - Due Diligence Vendor-11/24/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review853469_xxxxxx_12_1_2025_122031_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853469 | xxxxxx | D A B | Closed | xxxxxx | 2025-11-24 19:22 | 2025-12-01 13:34 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see the Approval uploaded. xxxxxx! - Due Diligence Vendor-12/01/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/25/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review853469_xxxxxx_12_1_2025_120929_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853472 | xxxxxx | D A | Closed | xxxxxx | 2026-01-10 02:13 | 2026-01-13 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. 1/12/25 - Please see LQI. This was originally submitted in file under page 853 of 971. - Due Diligence Vendor-01/13/2026 <br> Open-Borrower 1 Gap Credit Report is Missing and required per lender guidelines 30 days prior to close or any time after close. Please provide - Due Diligence Vendor-01/10/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/13/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<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 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 247.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.85% 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 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.52 Years |  | 853472_xxxxxx_LQI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853515 | xxxxxx | C A | Closed | xxxxxx | 2026-01-19 03:10 | 2026-01-26 11:16 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Received Revised LE with all pages. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. 1/26/26 - please see xxxxxx LE with all pages. - Buyer-01/26/2026 <br> Counter-Documentation is insufficient. Loan Estimate dated xxxxxx provided, does not include page 2. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. 1/20/26 - please see Locked LE - Due Diligence Vendor-01/21/2026 <br> Open-missing 2nd page revised LE dated xxxxxx - Due Diligence Vendor-01/19/2026 |  | Resolved-Received Revised LE with all pages. - Due Diligence Vendor-01/26/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.04 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.03 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review853515_xxxxxx_1_20_2026_44909_PM.zip<br> xxxxxx LE all pages.pdf<br> 853515_xxxxxx_locked_le.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853515 | xxxxxx | C A | Closed | xxxxxx | 2026-01-19 03:47 | 2026-01-26 11:15 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*Received Revised LE with all pages. - Due Diligence Vendor-01/26/2026 <br> Resolved- - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. 1/26/26 - please see xxxxxx LE with all pages. - Seller-01/26/2026 <br> Counter-Documentation is insufficient. Loan Estimate dated xxxxxx provided, does not include page 2. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/23/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. . \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Lock date of xxxxxx is prior to the Application date of xxxxxx. Initial Loan Estimate issued xxxxxx, indicates the Loan Lock and "No". Please provide and documentation or explanation for this discrepancy, which may result in additional Findings. - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. 1/26/26 - please see xxxxxx LE with all pages. - Seller-01/26/2026 | Resolved-\*\*Received Revised LE with all pages. - Due Diligence Vendor-01/26/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.04 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.03 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx LE all pages.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853522 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 08:49 | 2026-01-10 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. 1/7/26 - please see gap report - Due Diligence Vendor-01/09/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Gap credit report required 30 days prior to or any time after closing per lender guidelines, but a gap credit report is not on file - please provide gap credit report or exception - Due Diligence Vendor-12/17/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/10/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.46 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 - 10.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 853522_xxxxxx_Gap_Report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853542 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 13:29 | 2026-01-13 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Gap Credit Report. - Due Diligence Vendor-01/13/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap credit report required 30 days prior to or any time after closing and is not presently found in the loan file. Please provide - Due Diligence Vendor-12/17/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.81 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 853542_xxxxxx_Gap_Credit_Report_is_Missing__UDM_Fraud_lert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 853564 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 05:35 | 2025-12-10 13:32 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. CLA <br> - Due Diligence Vendor-12/04/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/26/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 158.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years |  | Full Review853564_xxxxxx_12_3_2025_42414_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853564 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 10:18 | 2025-12-10 13:26 | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Bank statements - Due Diligence Vendor-12/08/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Assets provided bottom footer says there are 7 pages however only 4 pages are imaged. Have page 1of7 and 2-4of4 per the additional pages imaged. Need corrected assets statement pages for for xxxxxx 10/1-10/31/25. Obtain additional pages 2-7of 7 or page 1of4 of the account. - Due Diligence Vendor-12/01/2025 |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-12/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 158.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years |  | 853564_xxxxxx_assets.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853566 | xxxxxx | B A | Closed | xxxxxx | 2025-11-19 21:05 | 2025-11-24 14:47 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved- - Due Diligence Vendor-11/24/2025 <br> Counter-Lender provided their approval/clear to close document. Please provide the xxxxxx form 1008 Uniform Underwriting and Transmittal Summary. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-11/24/2025 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-11/20/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years |  | Full Review853566_xxxxxx_11_24_2025_104959_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853595 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853599 | xxxxxx | D A | Closed | xxxxxx | 2025-12-09 09:38 | 2025-12-16 08:19 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. CDA attached - Due Diligence Vendor-12/15/2025 <br> Open-. Provide an appraisal review product for the subject property as required in guidelines section 2.10.1.3.1. At the time of review, only the full appraisal was provided. - Due Diligence Vendor-12/09/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-12/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 194.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review853599_xxxxxx_12_15_2025_14516_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853657 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853670 | xxxxxx | C A | Closed | xxxxxx | 2025-11-25 16:21 | 2025-12-11 10:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 15.39 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. See assets statements - Due Diligence Vendor-12/09/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 6 Variance in assets is the EMD being sourced. Unable to locate the proof paid/received $500,800. Need proof paid/received and/or additional assets will need to be verified. - Due Diligence Vendor-11/25/2025 |  | Resolved-Audited Reserves of 15.39 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review853670_xxxxxx_12_8_2025_33425_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853691 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 09:49 | 2026-01-16 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-Current litigation is against the xxxxxx unit owner, derivatively, in the name of the master board, for the purpose of collecting unpaid common charges and utility charges that the xxxxxx unit has not paid to the xxxxxx documentation provided. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached Litigation paperwork and Memorandum. - Due Diligence Vendor-01/15/2026 <br> Counter-HOA questionnaire states: Is the HOA involved in any litigation, mediation, arbitration, or other dispute resolution process? - Answered as YES and stated see attached however no additional documentation was provided. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached HOA Questionnaire. - Due Diligence Vendor-01/13/2026 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-01/09/2026 |  | Resolved-Current litigation is against the xxxxxx unit owner, derivatively, in the name of the master board, for the purpose of collecting unpaid common charges and utility charges that the xxxxxx unit has not paid to the condominium documentation provided. - Due Diligence Vendor-01/16/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 853691_xxxxxx_Qestionnaire_xxxxxx.pdf<br> 853691_xxxxxx.pdf<br> 853691_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853691 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 12:14 | 2026-01-13 15:12 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached 1008. - Due Diligence Vendor-01/13/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008 was not provided with upload, please provide - Due Diligence Vendor-01/09/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 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 84.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 853691_xxxxxx_1008_-_Transmittal_Summary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853691 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 11:49 | 2026-01-13 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Gap Credit. - Due Diligence Vendor-01/13/2026 <br> Open-Borrower 1 Gap Credit Report is Missing and required 30 days prior to close or any time after close per xxxxxx guidelines - either provide or please provide an exception - Due Diligence Vendor-01/09/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 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 84.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 853691_xxxxxx_Undisclosed_Debt_X.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853691 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 11:43 | 2026-01-13 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Borrower is a salary w2 employee VOE provided. - Due Diligence Vendor-01/13/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Income Worksheet From File Upload - Due Diligence Vendor-01/09/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 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 84.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853691 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 09:58 | 2026-01-13 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Master Policy. - Due Diligence Vendor-01/13/2026 <br> Open-Missing HO-6 Master Insurance Policy - please provide - Due Diligence Vendor-01/09/2026 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 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 84.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 853691_xxxxxx_Master_Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853691 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 11:18 | 2026-01-13 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see a Fraud Report. - Due Diligence Vendor-01/13/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/09/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 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 84.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 853691_xxxxxx_Fraud_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853691 | xxxxxx | D A | Closed | xxxxxx | 2026-01-12 13:35 | 2026-01-13 14:57 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Desk Review / CDA. - Due Diligence Vendor-01/13/2026 <br> Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/13/2026 |  | Resolved-Desk review provided - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 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 84.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 853691_xxxxxx_CDA_F1_V1_Appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853693 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-12 21:38 | 2025-12-16 15:03 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. 1008 uploaded - Due Diligence Vendor-12/16/2025 <br> Open-1008/Underwriting Summary Not Provided 1008 Document is missing in the loan file. - Due Diligence Vendor-12/13/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 63.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review853693_xxxxxx_12_16_2025_124841_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853693 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-12 21:06 | 2025-12-16 15:02 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. See attached tax search - Due Diligence Vendor-12/16/2025 <br> Open-Missing Property Tax Cert Tax Certificate is Missing - Due Diligence Vendor-12/13/2025 |  | Resolved-Property Tax Cert Provided - Due Diligence Vendor-12/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 63.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review853693_xxxxxx_12_16_2025_124922_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853693 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-15 15:13 | 2025-12-16 14:58 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. SSrs uploaded - Due Diligence Vendor-12/16/2025 <br> Open-Appraisal is Missing third party review/valuation is required - Due Diligence Vendor-12/15/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-12/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 63.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review853693_xxxxxx_12_16_2025_125603_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853716 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853766 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 08:50 | 2025-12-16 12:35 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. 12/15/25 - please see CLA - Buyer-12/15/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/01/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 25.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 43% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | CLA (4).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853766 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 07:46 | 2025-12-09 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. 12/4/25 - please see title. - Due Diligence Vendor-12/08/2025 <br> Open-Title Document is missing Preliminary Title Document is missing from the file. - Due Diligence Vendor-12/01/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-12/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 25.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 43% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review853766_xxxxxx_12_4_2025_60212_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853801 | xxxxxx | D A | Closed | xxxxxx | 2025-12-23 13:30 | 2025-12-29 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached worksheet. - Due Diligence Vendor-12/29/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing lender's Income Worksheet (Bank Statement Calculator income used to qualify) - Due Diligence Vendor-12/23/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/29/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.96 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 17.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 853801_xxxxxx_853801__xxxxxx_Management_ANALYSIS_12.2.2025.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853802 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853838 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853857 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-12 10:00 | 2026-02-12 10:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted with compensating factors. to allow subject property with an ADU without a xxxxxx. No income from the ADU is being utilized to qualify, and the appraisal confirms there is no illegal use or marketability impact. - Due Diligence Vendor-02/12/2026 <br> Open-Subject property has an ADU without a complete xxxxxx (missing xxxxxx) and is unallowable per credit guidelines. - Due Diligence Vendor-02/12/2026 |  | Waived-Client exception granted with compensating factors. to allow subject property with an ADU without a xxxxxx. No income from the ADU is being utilized to qualify, and the appraisal confirms there is no illegal use or marketability impact. - Due Diligence Vendor-02/12/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.66 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.65 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.66 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 17.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 43.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Current primary home ownership > 2 years <br> Residual income more than 2.5x the amount required by guidelines<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 853857 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-26 01:01 | 2026-01-05 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Please see attached 1003. - Due Diligence Vendor-01/05/2026 <br> Counter-Document Uploaded. Final 1003 reflects xxxxxx account with available assets of $29,568.80 - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Funds to Close not required on a Cashout Closed End Second. No Reserves required in qualifying as well. xxxxxx approval required no assets. - Due Diligence Vendor-12/31/2025 <br> Open-Asset 1 Missing Please provide at min 1 month statement dated within 120 days of the Note date showing at least $29,568.80 in available funds for xxxxxx - Due Diligence Vendor-12/26/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-01/05/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.66 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.65 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.66 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 17.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 43.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Screenshot 2025-12-31 133842.jpg<br> 853857_xxxxxx_1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853861 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853891 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853892 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 17:25 | 2026-01-16 09:05 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. UW approval - Due Diligence Vendor-01/15/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/12/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77.57% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 853892_xxxxxx_853892_xxxxxx_Final_LDL_12-23-25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853892 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 16:35 | 2026-01-16 08:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Bank Statement worksheet - Due Diligence Vendor-01/15/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-01/12/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77.57% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 853892_xxxxxx_853892__xxxxxx_ANALYSIS_12-17-25.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853892 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-13 17:13 | 2026-01-13 17:13 | Waived | 2 - Non-Material B | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Client exception granted with compensating factors. Borrower 1 Total Years Employment Verified is Less Than 24 Months The borrower doesn't have 2 years of self-employment. <br> - Due Diligence Vendor-01/13/2026 |  | Waived-Client exception granted with compensating factors. Borrower 1 Total Years Employment Verified is Less Than 24 Months The borrower doesn't have 2 years of self-employment. <br> - Due Diligence Vendor-01/13/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 77.57% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 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 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Income 1 Months Income Verified is Missing<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> DTI <= 36% which is below requirement in guidelines  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853929 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853930 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853934 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853958 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854001 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 16:11 | 2025-12-05 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Certificate of Good standing and EIN for xxxxxx. provided - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. The LLC docs included in the CP packaged already. Please review and waive this condition. xxxxxx - Seller-12/03/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide the Certificate of Good standing and EIN for xxxxxx. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. The LLC docs included in the CP packaged already. Please review and waive this condition. xxxxxx - Seller-12/03/2025<br>| Resolved-Certificate of Good standing and EIN for xxxxxx. provided - Due Diligence Vendor-12/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 392.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854001 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 14:15 | 2025-12-05 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/02/2025 <br> Open-Personal Guaranty is missing. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/02/2025<br>| Resolved-Personal Guaranty is Present. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 392.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | GUARANTY AGREEMENT-xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854001 | xxxxxx | D A | Closed | xxxxxx | 2025-11-28 18:20 | 2025-12-03 12:53 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team , we have included the updated final 1003 with complete all info for the P&L loan. xxxxxx - Seller-12/02/2025 <br> Open-The Final 1003 is Incomplete. Required data is taken from Initial 1003 page 403. Loan was initially a DSCR and then converted to a profit and loss loan. - Due Diligence Vendor-11/28/2025 | Ready for Review-Document Uploaded. xxxxxx Team , we have included the updated final 1003 with complete all info for the P&L loan. xxxxxx - Seller-12/02/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 392.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | xxxxxx- updated final 1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854001 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 16:12 | 2025-12-03 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax cert & HOA statement provided. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached, xxxxxx - Seller-12/03/2025 <br> Open-Missing verification of taxes and HOA for xxxxxx. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached, xxxxxx - Seller-12/03/2025 | Resolved-Tax cert & HOA statement provided. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 392.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | xxxxxx_ other property.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854009 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854023 | xxxxxx | D A | Closed | xxxxxx | 2026-01-07 13:37 | 2026-01-14 08:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-PPP Rider to Note & Mortgage Provided. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. please see prepay addendum - Due Diligence Vendor-01/13/2026 <br> Open-Prepayment Penalty Addendum/ Rider Missing - Due Diligence Vendor-01/07/2026 |  | Resolved-PPP Rider to Note & Mortgage Provided. - Due Diligence Vendor-01/14/2026<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 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio 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 |  | 854023_xxxxxx_ppp_note_adden.pdf<br> 854023_xxxxxx_mortgage.pdf<br> 854023_xxxxxx_ppp_signed.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854023 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 06:03 | 2026-01-05 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Please see VVOE - Due Diligence Vendor-01/05/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd party WVOE not on file during review, did not come over in upload package it looks like. Please provide 3rd party WVOE for borrower xxxxxx - Due Diligence Vendor-12/29/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/05/2026<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 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio 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 |  | 854023_xxxxxx_VVOE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854094 | xxxxxx | C A | Closed | xxxxxx | 2025-12-31 08:59 | 2026-01-15 09:31 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received explanation, PCCD, and copy of Final SS. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see Final Settlement Statement provided to clear this. The three items supplied paired together: PCCD, Bwr LOX, and Final Settlement - Due Diligence Vendor-01/14/2026 <br> Counter-\*\*\*Received additional copy of the PCCD and LOE. We still need a copy of the Final Settlement Statement from the title company. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see Final Settlement Statement provided to clear this. The three items supplied paired together: PCCD, Bwr LOX, and Final Settlement <br>- Buyer-01/14/2026 <br> Counter-\*\*\*PCCD and LOE received alone do not resolve the finding. LOE advised that the borrower did not pay for the Appraisal Fee. Corrected PCCD has the Appraisal fee removed. Lender to provide supporting documentation, including the Final Settlement Statement from title and funding ledger to support that borrower did not pay for the fee or lender can provide a complete cure package that includes new LOE, corrected PCCD, copy of refund check and proof of delivery of refund to the borrower. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Pccd and LOX - Due Diligence Vendor-01/09/2026 <br> Open-\*\*\*The Appraisal fee increased from $610 disclosed in the Initial Loan Estimate issued xxxxxx to $1125 first disclosed in CD issued xxxxxx and remained through the Final CD. The Invoice in the file dated xxxxxx indicates the lender was aware of the total amount of $1125 prior to the Initial LE. Fee is subject to a zero tolerance. - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $515.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 |  | Resolved-\*\*Received explanation, PCCD, and copy of Final SS. - Due Diligence Vendor-01/15/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review854094_xxxxxx_1_8_2026_95451_AM.zip<br> xxxxxx PCCD (1).pdf<br> Full Review854094_xxxxxx_1_8_2026_95451_AM.zip<br> 854094_xxxxxx_PCCD_LOX.pdf<br> 854094_xxxxxx_PCCD.pdf<br> Full Review854094_xxxxxx_1_13_2026_31341_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854094 | xxxxxx | C A | Closed | xxxxxx | 2025-12-31 08:59 | 2026-01-15 09:31 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received explanation, PCCD, and copy of Final SS. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see Final Settlement Statement provided to clear this. The three items supplied paired together: PCCD, Bwr LOX, and Final Settlement - Due Diligence Vendor-01/14/2026 <br> Counter-\*\*\*Received additional copy of the PCCD and LOE. We still need a copy of the Final Settlement Statement from the title company. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see Final Settlement Statement provided to clear this. The three items supplied paired together: PCCD, Bwr LOX, and Final Settlement <br>- Buyer-01/14/2026 <br> Counter-\*\*\*PCCD and LOE received alone do not resolve the finding. LOE advised that the borrower did not pay for the Appraisal Fee. Corrected PCCD has the Appraisal fee removed. Lender to provide supporting documentation, including the Final Settlement Statement from title and funding ledger to support that borrower did not pay for the fee or lender can provide a complete cure package that includes new LOE, corrected PCCD, copy of refund check and proof of delivery of refund to the borrower. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Pccd and LOX - Due Diligence Vendor-01/09/2026 <br> Open-\*\*\*The Appraisal fee increased from $610 disclosed in the Initial Loan Estimate issued xxxxxx to $1125 first disclosed in CD issued xxxxxx and remained through the Final CD. The Invoice in the file dated xxxxxx indicates the lender was aware of the total amount of $1125 prior to the Initial LE. Fee is subject to a zero tolerance. - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 |  | Resolved-\*\*Received explanation, PCCD, and copy of Final SS. - Due Diligence Vendor-01/15/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review854094_xxxxxx_1_8_2026_95319_AM.zip<br> xxxxxx PCCD (1).pdf<br> Full Review854094_xxxxxx_1_13_2026_31553_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854094 | xxxxxx | C A | Closed | xxxxxx | 2025-12-31 08:59 | 2026-01-15 09:31 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received explanation, PCCD, and copy of Final SS. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see Final Settlement Statement provided to clear this. The three items supplied paired together: PCCD, Bwr LOX, and Final Settlement - Due Diligence Vendor-01/14/2026 <br> Counter-\*\*\*Received additional copy of the PCCD and LOE. We still need a copy of the Final Settlement Statement from the title company. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see Final Settlement Statement provided to clear this. The three items supplied paired together: PCCD, Bwr LOX, and Final Settlement <br>- Buyer-01/14/2026 <br> Counter-\*\*\*PCCD and LOE received alone do not resolve the finding. LOE advised that the borrower did not pay for the Appraisal Fee. Corrected PCCD has the Appraisal fee removed. Lender to provide supporting documentation, including the Final Settlement Statement from title and funding ledger to support that borrower did not pay for the fee or lender can provide a complete cure package that includes new LOE, corrected PCCD, copy of refund check and proof of delivery of refund to the borrower. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. Pccd and LOX - Due Diligence Vendor-01/09/2026 <br> Open-\*\*\*The Appraisal fee increased from $610 disclosed in the Initial Loan Estimate issued xxxxxx to $1125 first disclosed in CD issued xxxxxx and remained through the Final CD. The Invoice in the file dated xxxxxx indicates the lender was aware of the total amount of $1125 prior to the Initial LE. Fee is subject to a zero tolerance. - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 |  | Resolved-\*\*Received explanation, PCCD, and copy of Final SS. - Due Diligence Vendor-01/15/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxxxxx PCCD (1).pdf<br> Full Review854094_xxxxxx_1_13_2026_31553_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854133 | xxxxxx | B A | Closed | xxxxxx | 2025-12-01 13:10 | 2025-12-11 10:30 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see the attached 1008. xxxxxx! - Due Diligence Vendor-12/09/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/01/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review854133_xxxxxx_12_8_2025_112859_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854140 | xxxxxx | D A | Closed | xxxxxx | 2026-01-14 06:16 | 2026-01-26 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. 1/22/26 - please see LES statement as VOE. LES dated thru xxxxxx and is w/in 30 days of Note Date xxxxxx. - Due Diligence Vendor-01/23/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing No VOE on file for borrower 1 in keeping with lender guidelines, please provide. - Due Diligence Vendor-01/14/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/26/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.78 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 40.78 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 0.23<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.56% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | 854140_xxxxxx_LES.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854140 | xxxxxx | D A | Closed | xxxxxx | 2026-01-14 06:40 | 2026-01-26 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. 1/22/26 - Please see Monitoring in progress showing on Fraud - Due Diligence Vendor-01/23/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap report is required per lender guidelines within 30 days prior to close or any time after close, please provide for both clients - Due Diligence Vendor-01/14/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.78 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 40.78 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 0.23<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.56% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | 854140_xxxxxx_fraud.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854140 | xxxxxx | D A | Closed | xxxxxx | 2026-01-14 06:40 | 2026-01-26 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. 1/22/26 - Please see Monitoring in progress showing on Fraud - Due Diligence Vendor-01/23/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Gap report is required per lender guidelines within 30 days prior to close or any time after close, please provide for both clients - Due Diligence Vendor-01/14/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.78 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 40.78 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 0.23<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.56% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | 854140_xxxxxx_fraud.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854143 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854144 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 854162 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854193 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 10:32 | 2026-01-07 09:47 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*\*Received copy of the revised LE with all pages. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Please see attached LE. - Due Diligence Vendor-01/06/2026 <br> Open-Revised LE - Locked Missing Signature 3rd page. - Due Diligence Vendor-12/22/2025 |  | Resolved-\*\*\*Received copy of the revised LE with all pages. - Due Diligence Vendor-01/07/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 55.4 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 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 56.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.83 Years Borrower At Current Residence For Five (5) Or More Years - 22.83 Years |  | 854193_xxxxxx___Re-Disclosed_LE_for_condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 854193 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 13:00 | 2025-12-30 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-xxxxxx xxxxxx period Aug 1-Aug 30 2025 provided - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached bank statement 8/1 - 8/30. - Due Diligence Vendor-12/30/2025 <br> Open-missing 1 month bk statement xxxxxx xxxxxx period Aug 1-Aug 30 2025 used for income qualifying - Due Diligence Vendor-12/22/2025 |  | Resolved-xxxxxx xxxxxx period Aug 1-Aug 30 2025 provided - Due Diligence Vendor-12/30/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 55.4 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 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 56.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.83 Years Borrower At Current Residence For Five (5) Or More Years - 22.83 Years |  | 854193_xxxxxx____Bank_Statement_for_condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 854193 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 05:40 | 2025-12-29 09:41 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached Final 1003. - Due Diligence Vendor-12/29/2025 <br> Open-The Final 1003 is Missing - Due Diligence Vendor-12/22/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 55.4 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 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 56.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.83 Years Borrower At Current Residence For Five (5) Or More Years - 22.83 Years | valid | 854193_xxxxxx_____Final_1003_for_condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 854216 | xxxxxx | D A | Closed | xxxxxx | 2026-01-07 08:16 | 2026-01-14 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Please see bank statement review that loan was approved with - Buyer-01/13/2026 <br> Counter-the income worksheet provided reflects an ownership percentage of 30% & income as $79,872.21 however the CPA letter in the file states the bwr is 44.04% owner with an approved Income of $105,797.19<br> - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. See income worksheet - Due Diligence Vendor-01/09/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary . Provide Bank statement income worksheet to evidence how income was derived to support $105,797.19 per month as seen on the final 1003. - Due Diligence Vendor-01/07/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.7% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.71 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 854216_xxxxxx_I._Income_Calc_(1).pdf<br> 854216_xxxxxx_854216_xxxxxx_ANALYSIS_11-24-25_SMM.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854216 | xxxxxx | D A | Closed | xxxxxx | 2026-01-06 06:42 | 2026-01-10 13:02 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-01/09/2026 <br> Open-1008/Underwriting Summary Not Provided . Provide completed 1008 for the subject property transaction. - Due Diligence Vendor-01/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.7% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.71 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 854216_xxxxxx_Loan_#854216_LDL-Report_12-18-25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854252 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854265 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-21 10:41 | 2026-01-23 18:53 | Resolved | 1 - Information C A | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Resolved-Validated - Due Diligence Vendor-01/23/2026 <br>Open-AVM Confidence score is 87% - 90% or higher is required. - Due Diligence Vendor-01/21/2026 |  | Resolved-Validated - Due Diligence Vendor-01/23/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 39.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.03% 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 - 14.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854265 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-13 18:17 | 2026-01-21 10:41 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-AVM Provided - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Please see attached AVM. - Due Diligence Vendor-01/21/2026 <br> Open-If both scores (CU & LCA) provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/13/2026 |  | Resolved-AVM Provided - Due Diligence Vendor-01/21/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 39.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.03% 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 - 14.25 Years |  | 854265_xxxxxx_AVM_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854265 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-13 05:35 | 2026-01-13 05:35 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted with compensating factors. Lender exception for prior cash out in past 6 months - Due Diligence Vendor-01/13/2026 |  | Waived-Client exception granted with compensating factors. Lender exception for prior cash out in past 6 months - Due Diligence Vendor-01/13/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 39.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.03% 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 - 14.25 Years | LTV 5% or more below max allowed under guidelines<br> Residual income more than 2.5X amount required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 854307 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 00:39 | 2025-12-22 11:52 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached 1008 - Due Diligence Vendor-12/22/2025 <br> Open-1008/Underwriting Summary Not Provided Final 1008 not on file - please provide - Due Diligence Vendor-12/18/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/22/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.96% 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 - 10.71 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |  | Full Review854307_xxxxxx_12_19_2025_122722_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854307 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 23:40 | 2025-12-22 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-12/22/2025 <br> Open-Missing Third Party Fraud Report on File - Due Diligence Vendor-12/18/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/22/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.96% 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 - 10.71 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years | Missing Third Party Fraud Report | Full Review854307_xxxxxx_12_19_2025_122754_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854352 | xxxxxx | D A | Closed | xxxxxx | 2026-01-11 02:07 | 2026-01-26 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached Refresh,. - Due Diligence Vendor-01/26/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report. (Fraud report shows debt monitoring had not started yet) - Due Diligence Vendor-01/11/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.43 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.34 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 30.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | 854352_xxxxxx_refresh_1.15.26.pdf<br> 854352_xxxxxx_refresh_1.15.26_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854356 | xxxxxx | B A | Closed | xxxxxx | 2025-12-09 20:41 | 2025-12-15 13:42 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/15/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/10/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 854356_xxxxxx_CLA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854432 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854499 | xxxxxx | C A | Closed | xxxxxx | 2025-12-31 07:44 | 2026-01-07 14:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 8 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. 1/6/26 - please see Assets with sufficient reserves - Due Diligence Vendor-01/06/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 3 Total Assets on File - $96,012.05.<br> Reserves - $22,594.50<br> Cash to Close - $205,320.93<br>Short ($22594.50) reserves and ($109,308.88) cash to close. Please provide documentation that shows these amounts available or shows reductions in cash to close such that the assets on file are now sufficient to cover any remaining cash to close as well as the 3 mos reserves requirement.<br> - Due Diligence Vendor-12/31/2025 |  | Resolved-Audited Reserves of 8 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44% 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 - 35.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.27 Years |  | Full Review854499_xxxxxx_1_6_2026_112006_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854499 | xxxxxx | C A | Closed | xxxxxx | 2025-12-31 07:33 | 2026-01-07 14:10 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. 1/6/26 - please see Assets with sufficient reserves - Due Diligence Vendor-01/06/2026 <br> Open-Total Liquid Assets Available for Close of $96012.05 is less than Total Cash to Close $205320.93. Entered - Total Assets on File - $96,012.05.<br> Reserves - $22,594.50<br> Cash to Close - $205,320.93<br>Short ($22594.50) reserves and ($109,308.88) cash to close. Please provide documentation that shows these amounts available or shows reductions in cash to close such that the assets on file are now sufficient to cover any remaining cash to close as well as the 3 mos reserves requirement.<br> - Due Diligence Vendor-12/31/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44% 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 - 35.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.27 Years |  | Full Review854499_xxxxxx_1_6_2026_112006_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854501 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854544 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 06:48 | 2025-12-30 15:47 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Nov 2025 bank statement provided. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-Income and Employment Do Not Meet Guidelines Provide missing Business bank statement for B1 company- xxxxxx- account ending November 31 2025 last digits of account number xxxxxx used to qualify. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Nov 2025 bank statement provided. - Due Diligence Vendor-12/30/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Nov bk stmt - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854544 | xxxxxx | D A | Closed | xxxxxx | 2025-12-26 07:29 | 2025-12-30 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxxxxx web search supports HOA of $45.00 - Due Diligence Vendor-12/30/2025 <br> Ready for Review-DTI is only 17% - per xxxxxx the amount is $45. Please use the figure we have as proof of PITIA and to clear or waive this condition. - Seller-12/30/2025 <br> Open-HOA proof of cost is missing for xxxxxx- Primary property approximately $45 a month.<br> - Due Diligence Vendor-12/26/2025 | Ready for Review-DTI is only 17% - per xxxxxx the amount is $45. Please use the figure we have as proof of PITIA and to clear or waive this condition. - Seller-12/30/2025<br>| Resolved-xxxxxx web search supports HOA of $45.00 - Due Diligence Vendor-12/30/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 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 | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854546 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854556 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854559 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854571 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-24 02:50 | 2026-01-16 14:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: Audited Reserves of 2.95 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-01/16/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-01/15/2026 <br> Counter-xxxxxx for the confusion, Final CD states CTC is $140,403 / Total verified Assets $151,497.72 (matches Lenders Assets) 3 Months Reserves = $11,299.95 / Reserves are short by -$205.22 - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. See assets break down worksheet the seller used - Due Diligence Vendor-01/13/2026 <br> Open-Audited Reserves of 2.95 are less than Guideline Required Reserves of 3 Additional Assets is required for Cash to close and Reserves. - Due Diligence Vendor-12/24/2025 |  | Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: Audited Reserves of 2.95 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-01/16/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.76 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 25.50 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Compensating Factor 1 - Credit Score 20 points > minimum required <br> Compensating Factor 2 - Employed at same job > 5 years <br> Compensating Factor 3 - Current primary home ownership > 5 years | 854571_xxxxxx_assets.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 854575 | xxxxxx | B A | Closed | xxxxxx | 2026-01-27 06:25 | 2026-01-30 14:47 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. UW approval - Due Diligence Vendor-01/30/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008 not on file with upload package - please provide - Due Diligence Vendor-01/27/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/30/2026<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 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.40 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 854575_xxxxxx_854575_xxxxxx_FINAL_Notice_of_Loan_Approval_1-16-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854596 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854599 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854609 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854754 | xxxxxx | D A | Closed | xxxxxx | 2026-01-14 05:21 | 2026-01-21 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Please see attached UDM. - Due Diligence Vendor-01/20/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap credit report required per lender guidelines 30 days prior to close or any time after close. Please provide - Due Diligence Vendor-01/14/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/21/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.28% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 854754_xxxxxx_UDM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854755 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 06:07 | 2026-01-05 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. see attached income calcs - Due Diligence Vendor-01/04/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/17/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/05/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.76 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 60% 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 - 7.37 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 |  | 854755_xxxxxx_Income.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854761 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854782 | xxxxxx | C A | Closed | xxxxxx | 2026-01-08 16:06 | 2026-01-14 08:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx Subprime Home Loan Test | Resolved-\*\*Received evidence of appraisal delivery; loan is HPML Compliant. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. See attached email - Buyer-01/13/2026 <br> Counter-\*\*Lender to provide evidence borrower received the appraisal at least 3 business days prior to closing. - Due Diligence Vendor-01/08/2026 <br> Counter-\*\*Received missing disclosures needed to complete compliance testing. Unable to confirm the loan is HPML compliant. Lender to provide evidence that the borrower received a copy of the appraisal at least 3 business days prior to closing. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-This loan failed the xxxxxx subprime home loan test. (xxxxxx SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the xxxxxx Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-\*\*Received evidence of appraisal delivery; loan is HPML Compliant. - Due Diligence Vendor-01/14/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.21% 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 12.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx appraisal email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854782 | xxxxxx | C A | Closed | xxxxxx | 2026-01-08 16:06 | 2026-01-14 08:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-\*\*Received evidence of appraisal delivery; loan is HPML Compliant. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. See attached email - Seller-01/13/2026 <br> Counter-\*\*Lender to provide evidence borrower received the appraisal at least 3 business days prior to closing. - Due Diligence Vendor-01/08/2026 <br> Counter-\*\*Received missing disclosures needed to complete compliance testing. Unable to confirm the loan is HPML compliant. Lender to provide evidence that the borrower received a copy of the appraisal at least 3 business days prior to closing. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. See attached email - Seller-01/13/2026<br>| Resolved-\*\*Received evidence of appraisal delivery; loan is HPML Compliant. - Due Diligence Vendor-01/14/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.21% 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 12.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx appraisal email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854782 | xxxxxx | C A | Closed | xxxxxx | 2025-12-29 18:25 | 2026-01-08 16:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Please see attached LE. - Due Diligence Vendor-01/07/2026 <br> Open-Missing Locked LE \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked.<br> - Due Diligence Vendor-12/29/2025 |  | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-01/08/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.21% 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 12.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review854782_xxxxxx_1_6_2026_25057_PM.zip<br> 854782_xxxxxx_Rate_Lock_LE_-_xxxxxx.pdf<br> 854782_xxxxxx_Rate_Lock_LE.pdf<br> 854782_xxxxxx_Rate_Lock_LE_-_xxxxxx_-_Esigned.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854782 | xxxxxx | C A | Closed | xxxxxx | 2026-01-08 16:06 | 2026-01-08 16:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is $1,718,797.36. The disclosed total of payments charge of $1,718,447.36 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved- - Due Diligence Vendor-01/08/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.21% 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 12.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854785 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854804 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854805 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854807 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854849 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854895 | xxxxxx | C A | Closed | xxxxxx | 2026-01-07 08:14 | 2026-01-12 14:46 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-\*\*Received missing LEs and COCs. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see attached COC / LE documents. - Due Diligence Vendor-01/09/2026 <br> Open-Documentation provided includes a Closing Disclosure dated xxxxxx with a disclosed APR of 9.428% and a Final Closing Disclosure dated xxxxxx with a disclosed APR of 9.779%. because the APR disclosed to the borrower on xxxxxx became inaccurate beyond the tolerance for accuracy compared to the actual APR at consummation disclosed on the xxxxxx CD, an additional 3-day waiting period is required. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*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, which may result in additional Findings. xxxxxx<br> - Due Diligence Vendor-01/07/2026 |  | Resolved-\*\*Received missing LEs and COCs. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 747 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 15.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | Full Review854895_xxxxxx_1_7_2026_44215_PM.zip<br> 854895_xxxxxx_COC_LE_11.12.25.pdf<br> 854895_xxxxxx_COC_LE_11.7.25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854895 | xxxxxx | C A | Closed | xxxxxx | 2026-01-07 07:44 | 2026-01-12 14:45 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*Received missing LEs and COCs. - Due Diligence Vendor-01/12/2026 <br> Resolved- - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see attached COC / CD documents. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, xxxxxx and xxxxxx. • \*\*\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. . A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 |  | Resolved-\*\*Received missing LEs and COCs. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 747 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 15.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | 854895_xxxxxx_COC_CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854899 | xxxxxx | C A | Closed | xxxxxx | 2026-01-07 16:58 | 2026-01-23 08:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Please see attached signed initial CD. - Due Diligence Vendor-01/21/2026 <br> Counter-Received package with all initial disclosures. Still missing the Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. See initial disclosures - Due Diligence Vendor-01/15/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-01/07/2026 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/23/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.57 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.65 Years |  | Full Review854899_xxxxxx_1_15_2026_42444_PM.zip<br> 854899_xxxxxx_HOCD.pdf<br> 854899_xxxxxx_Inital_Disclosures_(both).pdf<br> Full Review854899_xxxxxx_1_20_2026_23127_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854899 | xxxxxx | C A | Closed | xxxxxx | 2026-01-07 16:58 | 2026-01-16 09:16 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*\*Received package with all initial disclosures. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. See initial disclosures - Due Diligence Vendor-01/15/2026 <br> Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-01/07/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*\*Received package with all initial disclosures. - Due Diligence Vendor-01/16/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.57 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.65 Years |  | Full Review854899_xxxxxx_1_15_2026_42444_PM.zip<br> 854899_xxxxxx_HOCD.pdf<br> 854899_xxxxxx_Inital_Disclosures_(both).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854900 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854901 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854914 | xxxxxx | C A | Closed | xxxxxx | 2026-01-13 15:39 | 2026-01-16 12:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received Initial and Revised CDs. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Initial CD and interim CDs - Due Diligence Vendor-01/15/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the ICD. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-01/13/2026 |  | Resolved-\*\*Received Initial and Revised CDs. - Due Diligence Vendor-01/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.12 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 26.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.86% 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 690 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review854914_xxxxxx_1_15_2026_xxxxxx_PM.zip<br> 854914_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251129_xxxxxx.pdf<br> 854914_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251201_xxxxxx.pdf<br> 854914_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251223_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854915 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-10 02:05 | 2025-12-29 05:01 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/29/2025 <br> Resolved- - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Counter-COC form for credit charge increase provided is insufficient to determine 3 day redisclose timings. Please provide itemized Credit Invoice. Documentation does not indicate any event to show the VOE fee in the the amount of $140.00 was new information. ~~~~~~~~~~original finding detail: \*\*\*\*\*\*\*The following charges have been either added or increased: ~~~ \* 1. VOE fee in the the amount of $140.00 was an added charge to the borrower in Initial Closing Disclosure dated xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. ~~~\*2. Credit Report increase from $200.00 disclosed in the Initial Loan Estimate, to $800.00 in the revised Loan Estimate issued on xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. \*\*\*\*Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $140.00 + $600.00 = $740.00 (or applicable portion thereof), is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/19/2025 <br> Counter-COC form for credit charge increase provided is insufficient to determine 3 day redisclose timings. Please provide itemized Credit Invoice. Documentation does not indicate any event to show the VOE fee in the the amount of $140.00 was new information. ~~~~~~~~~~original finding detail: \*\*\*\*\*\*\*The following charges have been either added or increased: ~~~ \* 1. VOE fee in the the amount of $140.00 was an added charge to the borrower in Initial Closing Disclosure dated xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. ~~~\*2. Credit Report increase from $200.00 disclosed in the Initial Loan Estimate, to $800.00 in the revised Loan Estimate issued on xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. \*\*\*\*Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $140.00 + $600.00 = $740.00 (or applicable portion thereof), is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Attached COC for both. - Seller-12/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $740.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*\*\*\*The following charges have been either added or increased: ~~~ \* 1. VOE fee in the the amount of $140.00 was an added charge to the borrower in Initial Closing Disclosure dated xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. ~~~\*2. Credit Report increase from $200.00 disclosed in the Initial Loan Estimate, to $800.00 in the revised Loan Estimate issued on xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. \*\*\*\*Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $140.00 + $600.00 = $740.00 (or applicable portion thereof), is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Ready for Review-Document Uploaded. Attached COC for both. - Seller-12/18/2025 | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.91 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.07 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 - 20.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.69 Years<br> Residual income is < 1.2x greater than the guideline minimum |  | LE Changed Circumstance.pdf<br> LE Changed Circumstance.pdf<br> Cure check.pdf<br> PCCD.pdf<br> LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854915 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-10 02:05 | 2025-12-29 05:01 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/29/2025 <br> Resolved- - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Counter-COC form for credit charge increase provided is insufficient to determine 3 day redisclose timings. Please provide itemized Credit Invoice. Documentation does not indicate any event to show the VOE fee in the the amount of $140.00 was new information. ~~~~~~~~~~original finding detail: \*\*\*\*\*\*\*The following charges have been either added or increased: ~~~ \* 1. VOE fee in the the amount of $140.00 was an added charge to the borrower in Initial Closing Disclosure dated xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. ~~~\*2. Credit Report increase from $200.00 disclosed in the Initial Loan Estimate, to $800.00 in the revised Loan Estimate issued on xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. \*\*\*\*Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $140.00 + $600.00 = $740.00 (or applicable portion thereof), is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. COC for both - Seller-12/18/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*\*\*\*The following charges have been either added or increased: ~~~ \* 1. VOE fee in the the amount of $140.00 was an added charge to the borrower in Initial Closing Disclosure dated xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. ~~~\*2. Credit Report increase from $200.00 disclosed in the Initial Loan Estimate, to $800.00 in the revised Loan Estimate issued on xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. \*\*\*\*Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $140.00 + $600.00 = $740.00 (or applicable portion thereof), is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Ready for Review-Document Uploaded. COC for both - Seller-12/18/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.91 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.07 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 - 20.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.69 Years<br> Residual income is < 1.2x greater than the guideline minimum |  | LE Changed Circumstance.pdf<br> LE Changed Circumstance.pdf<br> Cure check.pdf<br> LOE.pdf<br> PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854915 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-10 02:05 | 2025-12-29 05:01 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/29/2025 <br> Resolved- - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Counter-COC form for credit charge increase provided is insufficient to determine 3 day redisclose timings. Please provide itemized Credit Invoice. Documentation does not indicate any event to show the VOE fee in the the amount of $140.00 was new information. ~~~~~~~~~~original finding detail: \*\*\*\*\*\*\*The following charges have been either added or increased: ~~~ \* 1. VOE fee in the the amount of $140.00 was an added charge to the borrower in Initial Closing Disclosure dated xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. ~~~\*2. Credit Report increase from $200.00 disclosed in the Initial Loan Estimate, to $800.00 in the revised Loan Estimate issued on xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. \*\*\*\*Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $140.00 + $600.00 = $740.00 (or applicable portion thereof), is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. COC for both - Seller-12/18/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*\*\*\*The following charges have been either added or increased: ~~~ \* 1. VOE fee in the the amount of $140.00 was an added charge to the borrower in Initial Closing Disclosure dated xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. ~~~\*2. Credit Report increase from $200.00 disclosed in the Initial Loan Estimate, to $800.00 in the revised Loan Estimate issued on xxxxxx. Documentation provided does not include information to ratify this charge was a valid change of circumstance pursuant to § 1026.19(e)(3)(iv) or that it was disclosed to the borrower within 3 business days of receiving information sufficient to establish a changed circumstance. \*\*\*\*Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $140.00 + $600.00 = $740.00 (or applicable portion thereof), is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Ready for Review-Document Uploaded. COC for both - Seller-12/18/2025<br>| Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.91 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.07 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 - 20.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.69 Years<br> Residual income is < 1.2x greater than the guideline minimum |  | CD Changed Circumstance.pdf<br> CD Changed Circumstance.pdf<br> Cure check.pdf<br> PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854915 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-09 19:49 | 2025-12-19 13:58 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Open-1008/Underwriting Summary Not Provided . Provide completed 1008 for the subject transaction as it was not provided at the time of review. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.91 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.07 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 - 20.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.69 Years<br> Residual income is < 1.2x greater than the guideline minimum |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854915 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-11 13:53 | 2025-12-19 13:55 | Waived | 2 - Non-Material C B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: For exceeding max NSF requirement - The request for an exception to xxxxxx eligibility criteria is granted - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Open-Income and Employment Do Not Meet Guidelines . . NSF occurrences have exceeded the maximum allowed at 11 in the prior 12 months with 9 of the 11, being within the prior 3 months. Per guidelines section 2.7.6.3: If there are one (1) or more occurrences in the most recent three-month time period, up to three (3) occurrences are allowed in the most recent 12-month time period. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: For exceeding max NSF requirement - The request for an exception to xxxxxx eligibility criteria is granted - Due Diligence Vendor-12/19/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.91 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.07 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 - 20.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.69 Years<br> Residual income is < 1.2x greater than the guideline minimum | 1. $10k in retirement (statement in file) <br> 2. 0x30 for all mtgs/credit accounts <br> 3. S/E over 6 years <br> 4. Overall debt to income profile decreasing | Loan Exception Request.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 854915 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-10 02:05 | 2025-12-19 07:46 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Disclosure tracking showing xxxxxx delivery received - Due Diligence Vendor-12/19/2025 <br> Resolved- - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Borrower received the revised LE on xxxxxx and wet signed on xxxxxx as well. - Seller-12/18/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*The xxxxxx revised Loan Estimate was received on xxxxxx, and not at least 4 business days before the consummation date of and Closing date xxxxxx - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. Borrower received the revised LE on xxxxxx and wet signed on xxxxxx as well. - Seller-12/18/2025 | Resolved-Disclosure tracking showing xxxxxx delivery received - Due Diligence Vendor-12/19/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.91 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.07 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 - 20.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.69 Years<br> Residual income is < 1.2x greater than the guideline minimum |  | DISCLOSURE TRACKING.pdf<br> DISCLOSURE TRACKING.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854917 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854919 | xxxxxx | D A | Closed | xxxxxx | 2026-01-05 03:35 | 2026-01-13 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached updated Gap Report. - Due Diligence Vendor-01/13/2026 <br> Counter-The gap credit report/supp needs to be 30 days prior to close or any time after close - the GAP report provided is dated 11.18.25 (35 days from closing) - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Please see attached Gap Credit Report. - Due Diligence Vendor-01/09/2026 <br> Open-Borrower 1 Gap Credit Report is Missing gap credit report/supp needs to be on file 30 days prior to close or any time after close - none on file. Please provide either gap credit report or exception for not obtaining - Due Diligence Vendor-01/05/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/13/2026<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 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 - 12.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.4% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.3 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.72 Years |  | 854919_LE_LQI_xxxxxx.pdf<br> 854919_LE_LQI_xxxxxx_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854919 | xxxxxx | D A | Closed | xxxxxx | 2026-01-05 03:14 | 2026-01-08 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Please see attached worksheet. - Due Diligence Vendor-01/07/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary Income Review Summary listed pg 1002, but actual worksheet with ineligible transactions/deposits is not present from lender. Please provide or provide exception to not provide the full document, only the summary - Due Diligence Vendor-01/05/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/08/2026<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 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 - 12.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.4% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.3 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.72 Years |  | 854919_LE_xxxxxx_ANALYSIS.xlsx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854921 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-08 17:35 | 2026-01-22 10:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received cure package - Due Diligence Vendor-01/22/2026 <br> Resolved- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. 1/21/26 - please see attached PCCD, Lender LOE, Refund Check and proof of mailing. - Due Diligence Vendor-01/22/2026 <br> Counter-https://files.consumerfinance.gov/f/201503_cfpb_truth-in-lending-act.pdf (page 100): "Services the consumer cannot shop for (items provided by persons other than the creditor or mortgage broker) that the consumer cannot shop for and will pay for at settlement, such as appraisal fees and credit report fees". Please consult with your internal compliance leadership. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. 1/13/26 - Lender response: There is no restriction for section B that prevents fees charged by lender. Please reconsider. - Due Diligence Vendor-01/13/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*ICD received, data entered, Compliance report generated, resulting in additional compliance findings. Technology fee is paid to Lender shown in Section B. • charges paid to "Lender or Broker" cannot be a section B charges. Section B charges can only be payable to "Other" for third party charges. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received cure package - Due Diligence Vendor-01/22/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 660 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 15.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.54% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | Full Review854921_xxxxxx_1_13_2026_114715_AM.zip<br> Full Review854921_xxxxxx_1_21_2026_64439_PM.zip<br> 854921_xxxxxx_-_CD_xxxxxx_Ack.pdf<br> 854921_xxxxxx_-_Loan_Estimate_xxxxxx.pdf<br> 854921_xxxxxx_-_1004D_invoice_xxxxxx.pdf<br> 854921_xxxxxx_pccd_loe_check_mailing_label.pdf<br> 854921_xxxxxx_-_CD_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854921 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-08 17:35 | 2026-01-22 10:41 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Received cure package - Due Diligence Vendor-01/22/2026 <br> Resolved-Received cure package - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Resolved- - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. 1/21/26 - please see attached PCCD, Lender LOE, Refund Check and proof of mailing. - Due Diligence Vendor-01/22/2026 <br> Counter-~~~Response to Transfer Tax increase citing: transfer tax charges correlate directly to Loan Amounts & Sales Price, there is not indication that either changed at the time or within 3 days of the amount being increased to the borrower. the 0% tolerance violation required a cure in the amount of $18.33 ~~~Response to Final Inspection charge citing: "subject to" appraisal was issued xxxxxx and signed by the appraiser xxxxxx. The lenders sufficient knowledge that a final inspection charge to the borrower would be required timing began when the lender was provided a "subject to appraisal" not the date the lender was invoiced for the appraisal. If the amount at knowledge was unknown, the lender could have disclosed an higher estimated amount within the 3 day timing. - the 0% tolerance violation requires a cure in the amount of $200.00. ~~~ response to Recording Charge increase citing: There is no evidence that this charge increased due to "new information" to the Lender within 3 days of knowledge of that new information. (meaning that something needed to be recorded that was not previously known) having a charge come in higher than previously disclosure indicates the lender initial amount was "under-disclosed" whereby borrower 10% tolerance limitations are applied cure in the amount of $206.40. Please consult with your compliance leadership. ======= Cumulative total of 0% & 10% Cures required for remediation is $424.73. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. 1/13/26 - Lender response: Transfer Tax Increase disclosed 12.19, Final Inspection was ordered and invoice generated 12.11. What $200 payment 9/23/2025 do you mean? Recording Changes Disclosed 12.19. Please see attached docs. - Due Diligence Vendor-01/13/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*ICD received, data entered, Compliance report generated, resulting in additional compliance findings. - Transfer Tax disclosed in the amount of in the amount of xxxxxx in pre close TRID disclosure, increased in the Final Closing Disclosure to xxxxxx. There is no Valid COC event present pursuant to pursuant to § 1026.19(e)(3)(iv, for this increase. 0% tolerance cure in the amount of 18.33 is required. ~~~Additionally The "subject to" appraisal was issued xxxxxx and signed by the appraiser xxxxxx. However the additional charge for a Final Inspection was not disclosed to the borrower until xxxxxx (note the borrower paid this undisclosed charge on 9/23/2025) The additional/increase to disclosed appraisal(s) charge violates COC timing rules. 0% tolerance violation in the amount of $200.00, is required ~~~~~ Additionally and recording charges were initially under-disclosed in the amount of $176.00 establishing a 10% baseline of $193.60. Recording fee increased to $400.00 in the Final Closing Disclosure. There is no correlating event evident to indicate there is more to the recording, than the normal purchase recording instruments (POA, etc). TPR is unable to validate the increase is a true and valid change of circumstance. 10% tolerance cure in the amount of 206.40, is required ======= Cumulative total of 0% & 10% Cures required for remediation is $424.73. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Cured-Received cure package - Due Diligence Vendor-01/22/2026 <br>Resolved-Received cure package - Due Diligence Vendor-01/22/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 660 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 15.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.54% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | Full Review854921_xxxxxx_1_13_2026_114212_AM.zip<br> Full Review854921_xxxxxx_1_21_2026_64439_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854921 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-08 17:35 | 2026-01-22 10:41 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Received cure package - Due Diligence Vendor-01/22/2026 <br> Resolved-Received cure package - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Resolved- - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. 1/21/26 - please see attached PCCD, Lender LOE, Refund Check and proof of mailing. - Due Diligence Vendor-01/22/2026 <br> Counter-~~~Response to Transfer Tax increase citing: transfer tax charges correlate directly to Loan Amounts & Sales Price, there is not indication that either changed at the time or within 3 days of the amount being increased to the borrower. the 0% tolerance violation required a cure in the amount of $18.33 ~~~Response to Final Inspection charge citing: "subject to" appraisal was issued xxxxxx and signed by the appraiser xxxxxx. The lenders sufficient knowledge that a final inspection charge to the borrower would be required timing began when the lender was provided a "subject to appraisal" not the date the lender was invoiced for the appraisal. If the amount at knowledge was unknown, the lender could have disclosed an higher estimated amount within the 3 day timing. - the 0% tolerance violation requires a cure in the amount of $200.00. ~~~ response to Recording Charge increase citing: There is no evidence that this charge increased due to "new information" to the Lender within 3 days of knowledge of that new information. (meaning that something needed to be recorded that was not previously known) having a charge come in higher than previously disclosure indicates the lender initial amount was "under-disclosed" whereby borrower 10% tolerance limitations are applied cure in the amount of $206.40. Please consult with your compliance leadership. ======= Cumulative total of 0% & 10% Cures required for remediation is $424.73. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. 1/13/26 - Lender response: Transfer Tax Increase disclosed 12.19, Final Inspection was ordered and invoice generated 12.11. What $200 payment 9/23/2025 do you mean? Recording Changes Disclosed 12.19. Please see attached docs. - Due Diligence Vendor-01/13/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*ICD received, data entered, Compliance report generated, resulting in additional compliance findings. - Transfer Tax disclosed in the amount of in the amount of xxxxxx in pre close TRID disclosure, increased in the Final Closing Disclosure to xxxxxx. There is no Valid COC event present pursuant to pursuant to § 1026.19(e)(3)(iv, for this increase. 0% tolerance cure in the amount of 18.33 is required. ~~~Additionally The "subject to" appraisal was issued xxxxxx and signed by the appraiser xxxxxx. However the additional charge for a Final Inspection was not disclosed to the borrower until xxxxxx (note the borrower paid this undisclosed charge on 9/23/2025) The additional/increase to disclosed appraisal(s) charge violates COC timing rules. 0% tolerance violation in the amount of $200.00, is required ~~~~~ Additionally and recording charges were initially under-disclosed in the amount of $176.00 establishing a 10% baseline of $193.60. Recording fee increased to $400.00 in the Final Closing Disclosure. There is no correlating event evident to indicate there is more to the recording, than the normal purchase recording instruments (POA, etc). TPR is unable to validate the increase is a true and valid change of circumstance. 10% tolerance cure in the amount of 206.40, is required ======= Cumulative total of 0% & 10% Cures required for remediation is $424.73. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Cured-Received cure package - Due Diligence Vendor-01/22/2026 <br>Resolved-Received cure package - Due Diligence Vendor-01/22/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 660 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 15.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.54% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | Full Review854921_xxxxxx_1_13_2026_114212_AM.zip<br> Full Review854921_xxxxxx_1_21_2026_64439_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854921 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-08 17:35 | 2026-01-22 10:40 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received cure package - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Resolved- - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. 1/21/26 - please see attached PCCD, Lender LOE, Refund Check and proof of mailing. - Due Diligence Vendor-01/22/2026 <br> Counter-~~~Response to Transfer Tax increase citing: transfer tax charges correlate directly to Loan Amounts & Sales Price, there is not indication that either changed at the time or within 3 days of the amount being increased to the borrower. the 0% tolerance violation required a cure in the amount of $18.33 ~~~Response to Final Inspection charge citing: "subject to" appraisal was issued xxxxxx and signed by the appraiser xxxxxx. The lenders sufficient knowledge that a final inspection charge to the borrower would be required timing began when the lender was provided a "subject to appraisal" not the date the lender was invoiced for the appraisal. If the amount at knowledge was unknown, the lender could have disclosed an higher estimated amount within the 3 day timing. - the 0% tolerance violation requires a cure in the amount of $200.00. ~~~ response to Recording Charge increase citing: There is no evidence that this charge increased due to "new information" to the Lender within 3 days of knowledge of that new information. (meaning that something needed to be recorded that was not previously known) having a charge come in higher than previously disclosure indicates the lender initial amount was "under-disclosed" whereby borrower 10% tolerance limitations are applied cure in the amount of $206.40. Please consult with your compliance leadership. ======= Cumulative total of 0% & 10% Cures required for remediation is $424.73. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. 1/13/26 - Lender response: Transfer Tax Increase disclosed 12.19, Final Inspection was ordered and invoice generated 12.11. What $200 payment 9/23/2025 do you mean? Recording Changes Disclosed 12.19. Please see attached docs. - Due Diligence Vendor-01/13/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*ICD received, data entered, Compliance report generated, resulting in additional compliance findings. - Transfer Tax disclosed in the amount of in the amount of xxxxxx in pre close TRID disclosure, increased in the Final Closing Disclosure to xxxxxx. There is no Valid COC event present pursuant to pursuant to § 1026.19(e)(3)(iv, for this increase. 0% tolerance cure in the amount of 18.33 is required. ~~~Additionally The "subject to" appraisal was issued xxxxxx and signed by the appraiser xxxxxx. However the additional charge for a Final Inspection was not disclosed to the borrower until xxxxxx (note the borrower paid this undisclosed charge on 9/23/2025) The additional/increase to disclosed appraisal(s) charge violates COC timing rules. 0% tolerance violation in the amount of $200.00, is required ~~~~~ Additionally and recording charges were initially under-disclosed in the amount of $176.00 establishing a 10% baseline of $193.60. Recording fee increased to $400.00 in the Final Closing Disclosure. There is no correlating event evident to indicate there is more to the recording, than the normal purchase recording instruments (POA, etc). TPR is unable to validate the increase is a true and valid change of circumstance. 10% tolerance cure in the amount of 206.40, is required ======= Cumulative total of 0% & 10% Cures required for remediation is $424.73. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Received cure package - Due Diligence Vendor-01/22/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 660 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 15.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.54% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | Full Review854921_xxxxxx_1_13_2026_114506_AM.zip<br> Full Review854921_xxxxxx_1_21_2026_64439_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854921 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-08 17:35 | 2026-01-22 10:40 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received cure package - Due Diligence Vendor-01/22/2026 <br> Resolved- - Due Diligence Vendor-01/22/2026 <br> Resolved-Received cure package - Due Diligence Vendor-01/22/2026 <br> Resolved- - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. 1/21/26 - please see attached PCCD, Lender LOE, Refund Check and proof of mailing. - Due Diligence Vendor-01/22/2026 <br> Counter-~~~Response to Transfer Tax increase citing: transfer tax charges correlate directly to Loan Amounts & Sales Price, there is not indication that either changed at the time or within 3 days of the amount being increased to the borrower. the 0% tolerance violation required a cure in the amount of $18.33 ~~~Response to Final Inspection charge citing: "subject to" appraisal was issued xxxxxx and signed by the appraiser xxxxxx. The lenders sufficient knowledge that a final inspection charge to the borrower would be required timing began when the lender was provided a "subject to appraisal" not the date the lender was invoiced for the appraisal. If the amount at knowledge was unknown, the lender could have disclosed an higher estimated amount within the 3 day timing. - the 0% tolerance violation requires a cure in the amount of $200.00. ~~~ response to Recording Charge increase citing: There is no evidence that this charge increased due to "new information" to the Lender within 3 days of knowledge of that new information. (meaning that something needed to be recorded that was not previously known) having a charge come in higher than previously disclosure indicates the lender initial amount was "under-disclosed" whereby borrower 10% tolerance limitations are applied cure in the amount of $206.40. Please consult with your compliance leadership. ======= Cumulative total of 0% & 10% Cures required for remediation is $424.73. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. 1/13/26 - Lender response: Transfer Tax Increase disclosed 12.19, Final Inspection was ordered and invoice generated 12.11. What $200 payment 9/23/2025 do you mean? Recording Changes Disclosed 12.19. Please see attached docs. - Due Diligence Vendor-01/13/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*ICD received, data entered, Compliance report generated, resulting in additional compliance findings. - Transfer Tax disclosed in the amount of in the amount of xxxxxx in pre close TRID disclosure, increased in the Final Closing Disclosure to xxxxxx. There is no Valid COC event present pursuant to pursuant to § 1026.19(e)(3)(iv, for this increase. 0% tolerance cure in the amount of 18.33 is required. ~~~Additionally The "subject to" appraisal was issued xxxxxx and signed by the appraiser xxxxxx. However the additional charge for a Final Inspection was not disclosed to the borrower until xxxxxx (note the borrower paid this undisclosed charge on 9/23/2025) The additional/increase to disclosed appraisal(s) charge violates COC timing rules. 0% tolerance violation in the amount of $200.00, is required ~~~~~ Additionally and recording charges were initially under-disclosed in the amount of $176.00 establishing a 10% baseline of $193.60. Recording fee increased to $400.00 in the Final Closing Disclosure. There is no correlating event evident to indicate there is more to the recording, than the normal purchase recording instruments (POA, etc). TPR is unable to validate the increase is a true and valid change of circumstance. 10% tolerance cure in the amount of 206.40, is required ======= Cumulative total of 0% & 10% Cures required for remediation is $424.73. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Cured-Received cure package - Due Diligence Vendor-01/22/2026 <br>Resolved-Received cure package - Due Diligence Vendor-01/22/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 660 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 15.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.54% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | Full Review854921_xxxxxx_1_13_2026_114538_AM.zip<br> Full Review854921_xxxxxx_1_21_2026_64439_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854921 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-05 02:26 | 2026-01-22 10:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*Received disclosure - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. 1/21/26 - Please see attached PCCD, Lender LOE, Refund Check and proof of mailing. I am manually uploading this thru xxxxxx to avoid issues with system submission from xxxxxx w/ xxxxxx due to Counter comments in condition. Please review these documents for all currently outstanding compliance conditions. xxxxxx!! - Buyer-01/21/2026 <br> Counter-~~~Response to Transfer Tax increase citing: transfer tax charges correlate directly to Loan Amounts & Sales Price, there is not indication that either changed at the time or within 3 days of the amount being increased to the borrower. the 0% tolerance violation required a cure in the amount of $18.33 ~~~Response to Final Inspection charge citing: "subject to" appraisal was issued xxxxxx and signed by the appraiser xxxxxx. The lenders sufficient knowledge that a final inspection charge to the borrower would be required timing began when the lender was provided a "subject to appraisal" not the date the lender was invoiced for the appraisal. If the amount at knowledge was unknown, the lender could have disclosed an higher estimated amount within the 3 day timing. - the 0% tolerance violation requires a cure in the amount of $200.00. ~~~ response to Recording Charge increase citing: There is no evidence that this charge increased due to "new information" to the Lender within 3 days of knowledge of that new information. (meaning that something needed to be recorded that was not previously known) having a charge come in higher than previously disclosure indicates the lender initial amount was "under-disclosed" whereby borrower 10% tolerance limitations are applied cure in the amount of $206.40. Please consult with your compliance leadership. ======= Cumulative total of 0% & 10% Cures required for remediation is $424.73. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. 1/13/26 - Lender response: Transfer Tax Increase disclosed 12.19, Final Inspection was ordered and invoice generated 12.11. What $200 payment 9/23/2025 do you mean? Recording Changes Disclosed 12.19. Please see attached docs. - Due Diligence Vendor-01/13/2026 <br> Counter-\*\*\*\*\*\*\*\*\*\*ICD received, data entered, Compliance report generated, resulting in additional compliance findings. - Transfer Tax disclosed in the amount of in the amount of xxxxxx in pre close TRID disclosure, increased in the Final Closing Disclosure to xxxxxx. There is no Valid COC event present pursuant to pursuant to § 1026.19(e)(3)(iv, for this increase. 0% tolerance cure in the amount of 18.33 is required. ~~~Additionally The "subject to" appraisal was issued xxxxxx and signed by the appraiser xxxxxx. However the additional charge for a Final Inspection was not disclosed to the borrower until xxxxxx (note the borrower paid this undisclosed charge on 9/23/2025) The additional/increase to disclosed appraisal(s) charge violates COC timing rules. 0% tolerance violation in the amount of $200.00, is required ~~~~~ Additionally and recording charges were initially under-disclosed in the amount of $176.00 establishing a 10% baseline of $193.60. Recording fee increased to $400.00 in the Final Closing Disclosure. There is no correlating event evident to indicate there is more to the recording, than the normal purchase recording instruments (POA, etc). TPR is unable to validate the increase is a true and valid change of circumstance. 10% tolerance cure in the amount of 206.40, is required ======= Cumulative total of 0% & 10% Cures required for remediation is $424.73. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. 1/6/26 - please see CD - Due Diligence Vendor-01/07/2026 <br> Open-Initial Closing disclosure is missing. - Due Diligence Vendor-01/05/2026 |  | Resolved-\*Received disclosure - Due Diligence Vendor-01/22/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 660 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 15.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.54% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | Full Review854921_xxxxxx_1_6_2026_40351_PM.zip<br> Full Review854921_xxxxxx_1_13_2026_114212_AM.zip<br> 854921_xxxxxx_-_Loan_Estimate_xxxxxx.pdf<br> 854921_xxxxxx_-_CD_xxxxxx_Ack.pdf<br> 854921_xxxxxx_-_CD_xxxxxx.pdf<br> 854921_xxxxxx_-_1004D_invoice_xxxxxx.pdf<br> 854921_xxxxxx_CD_initial_and_revised.pdf<br> xxxxxx - Loan Estimate xxxxxx (1).pdf<br> xxxxxx - 1004D invoice xxxxxx.pdf<br> xxxxxx - CD xxxxxx Ack.pdf<br> xxxxxx pccd loe check mailing label.pdf<br> xxxxxx - CD xxxxxx (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854921 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-05 01:42 | 2026-01-08 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 6 Missing | Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. 1/6/26 - please see Gift letter - Due Diligence Vendor-01/07/2026 <br> Open-Asset 6 Missing Asset 6, Gift amount $50,000.00 gift letter is missing - Due Diligence Vendor-01/05/2026 |  | Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-01/08/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 660 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 15.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 48.54% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | 854921_xxxxxx_Far_Gift_Letter.pdf<br> 854921_xxxxxx_Far_CD_initial_and_revised.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854928 | xxxxxx | D A | Closed | xxxxxx | 2025-12-30 04:53 | 2026-01-10 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. 1/7/2026 - Lender response: Regarding the condition described as Missing Doc Insurance, stating that the Hazard Insurance Policy is missing or visually distorted in the upload package, please note that this condition is invalid. The Homeowners Insurance (HOI) policy was provided in the file and is clearly documented on pages 10271032. Please review and advise if any additional clarification is required. HOI re-attached for your convenience. - Due Diligence Vendor-01/09/2026 <br> Open-Missing Hazard Insurance Policy - either not present on file, or is one of the documents that came through distorted visually in the upload package - Due Diligence Vendor-12/30/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/10/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.11% 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 - 14.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.96 Years |  | 854928_xxxxxx_854928_HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854951 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-24 07:36 | 2026-01-13 15:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*LE received - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Appraisal Delivery - Buyer-01/02/2026 <br> Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*Initial Loan Estimate received, data entered and a Compliance Report generated, resulting in additional compliance findings. \*\*\*Unable to determine if loan is HPML Compliant. 1026.35(c)(6)(ii)(a) Lender to provide evidence that the borrower received a copy of the Appraisal at least three business days prior to consummation. - Due Diligence Vendor-01/01/2026 <br> Ready for Review-Document Uploaded. LE uploaded - Due Diligence Vendor-12/31/2025 <br> Open-Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-12/24/2025 |  | Resolved-\*\*LE received - Due Diligence Vendor-01/06/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 60.45 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 - Validated Calculated DTI Of 27.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 854951_xxxxxx_LE.pdf<br> Appraisal delivery (4).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854951 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-24 00:15 | 2026-01-13 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Fraud report uploaded - Due Diligence Vendor-12/31/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/24/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/02/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 60.45 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 - Validated Calculated DTI Of 27.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 854951_xxxxxx_FRAUD_REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854985 | xxxxxx | D A | Closed | xxxxxx | 2025-12-23 17:03 | 2025-12-31 09:11 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Tangible Net Benefit Disclosure missing or unexecuted | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Counter-GM, Net tangible is only required for refinances of an existing loan. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-This defi is erroneous. Loan is a Closed End Second - with Cashout. - Seller-12/29/2025 <br> Counter-xxxxxx requires a Reasonable, tangible net benefit Disclosure/determination. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-What are you needing? What documents do you show that you don't have? - Seller-12/24/2025 <br> Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Ready for Review-This defi is erroneous. Loan is a Closed End Second - with Cashout. - Seller-12/29/2025 <br> Ready for Review-What are you needing? What documents do you show that you don't have? - Seller-12/24/2025 | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 740 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 0.23<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.12 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.91 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 69.83% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxxxxx NTB.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854992 | xxxxxx | B A | Closed | xxxxxx | 2025-12-09 12:22 | 2025-12-16 11:03 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. 12/15/25 - please see CLA - Due Diligence Vendor-12/15/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/09/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 18.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years Borrower At Current Residence For Five (5) Or More Years - 15 Years |  | Full Review854992_xxxxxx_12_15_2025_120434_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854996 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855006 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-11 01:10 | 2026-01-13 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-01/13/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary. - Due Diligence Vendor-01/11/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/13/2026<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 - 8.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.42 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 41.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 16.32% 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 752 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 855006_xxxxxx_855006__xxxxxx_ANALYSIS_(1).xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855006 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 11:05 | 2026-01-12 11:09 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Client exception granted with compensating factors. Qualified using 12-month business bank statements with 7 NSF's. Section 2.8.6.4 of the Guidelines allow for a maximum of 5 NSF transactions. - Due Diligence Vendor-01/12/2026 |  | Waived-Client exception granted with compensating factors. Qualified using 12-month business bank statements with 7 NSF's. Section 2.8.6.4 of the Guidelines allow for a maximum of 5 NSF transactions. - Due Diligence Vendor-01/12/2026<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 - 8.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.42 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 41.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 16.32% 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 752 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | - Credit score 30+ points > minimum required<br> - Self-emplyed for > 5 years<br> - DTI <+ 36, whihc is below requirements in guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 855014 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855035 | xxxxxx | C A | Closed | xxxxxx | 2026-01-26 05:46 | 2026-02-03 11:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received Initial and Revised CDs - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. initial cd and interim cds - Due Diligence Vendor-02/02/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received Initial and Revised CDs - Due Diligence Vendor-02/03/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 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 17.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review855035_xxxxxx_1_30_2026_23436_PM.zip<br> 855035_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251208_125952.pdf<br> 855035_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251209_115015.pdf<br> 855035_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251211_105707.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855060 | xxxxxx | B A | Closed | xxxxxx | 2026-01-07 05:23 | 2026-01-07 05:23 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted with compensating factors. Income and Employment Do Not Meet Guidelines exception for 6 NSF max is 5 – below are the dates<br> 4/9/25<br> 4/10/25<br> 1/9/25<br> 1/7/25<br> 12/17/24<br> 11/5/24 - Due Diligence Vendor-01/07/2026 |  | Waived-Client exception granted with compensating factors. Income and Employment Do Not Meet Guidelines exception for 6 NSF max is 5 – below are the dates<br> 4/9/25<br> 4/10/25<br> 1/9/25<br> 1/7/25<br> 12/17/24<br> 11/5/24 - Due Diligence Vendor-01/07/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.71% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.51% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DTI <= 40% which is below requirement in guidelines<br> Residual income more than 1.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 855079 | xxxxxx | B A | Closed | xxxxxx | 2026-01-15 04:17 | 2026-01-22 12:25 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Final Approval. - Due Diligence Vendor-01/21/2026 <br> Open-1008/Underwriting Summary Not Provided . Provide completed 1008 for the subject property transaction ensuring xxxxxx information completed including the Condo ID# xxxxxx is captured. - Due Diligence Vendor-01/15/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/22/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.29% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 384.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.27 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 45.28 Years |  | 855079_xxxxxx_855079_xxxxxx_FINAL_Notice_of_Loan_Approval_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 855113 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855116 | xxxxxx | D A | Closed | xxxxxx | 2025-12-31 04:14 | 2026-01-13 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Flood Cert Attached. xxxxxx! - Due Diligence Vendor-01/13/2026 <br> Open-Missing Flood Certificate - Due Diligence Vendor-12/31/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/13/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.34% 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 39.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 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 - 16.31 Years |  | 855116_xxxxxx_Flood_Certificate_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855132 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855155 | xxxxxx | B A | Closed | xxxxxx | 2026-01-17 07:57 | 2026-01-20 03:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Client exception granted with compensating factors. Property is .xxxxxx acres over the maximum of xxxxxx acres (xxxxxx). - Due Diligence Vendor-01/17/2026 |  | Waived-Client exception granted with compensating factors. Property is .xxxxxx acres over the maximum of xxxxxx acres (xxxxxx). - Due Diligence Vendor-01/17/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines.<br> Credit Score 30+ points > minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 855178 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855192 | xxxxxx | D A | Closed | xxxxxx | 2026-01-08 13:00 | 2026-01-21 10:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-01/21/2026 <br> Open-Both CU and LCA were not applied. The subject property is xxxxxx units. - Due Diligence Vendor-01/08/2026 |  | Resolved-desk review provided - Due Diligence Vendor-01/21/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.42 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 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 - 19.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.07 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.38 Years |  | 855192_xxxxxx_-_CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855194 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 07:02 | 2026-01-14 08:49 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/13/2026 <br> Open-xxxxxx CU score reflected 999 or no risk score available and xxxxxx LCA score of 4. Per guidelines, an enhanced desk review product is required CDA, xxxxxx - Due Diligence Vendor-01/09/2026 |  | Resolved-Desk review provided - Due Diligence Vendor-01/14/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.42 Years Borrower At Current Residence For Five (5) Or More Years - 26.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 204.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 204.28 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 40% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 40% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 13.21% 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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 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 - 28.65 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.65 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx CDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855196 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855257 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855276 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855289 | xxxxxx | D A | Closed | xxxxxx | 2026-01-16 11:31 | 2026-01-29 10:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Please see attached CDA. - Buyer-01/28/2026 <br> Counter-xxxxxx for the confusion, Missing 3rd party Valuation report / Appraisal Review Product - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see attached Fraud Report - From Seller. <br> Presuming you are requesting Appraisal Review Product / Secondary Valuation. - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/20/2026 |  | Resolved-desk review provided - Due Diligence Vendor-01/29/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.99% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years |  | 855289_xxxxxx_fraud.pdf<br> Attachment-2 (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855292 | xxxxxx | C A | Closed | xxxxxx | 2026-01-10 11:47 | 2026-01-14 10:01 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE received, data entered, no new compliance findings. - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-01/13/2026 <br> Open-\*\*\*\*\*\* Locked TRID disclosure is missing. Evidence of a Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/10/2026 |  | Resolved-Locked LE received, data entered, no new compliance findings. - Due Diligence Vendor-01/14/2026<br>|  |  | Full Review855292_xxxxxx_1_13_2026_14513_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855292 | xxxxxx | C A | Closed | xxxxxx | 2026-01-10 11:54 | 2026-01-14 10:00 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no new compliance findings. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see CD - Due Diligence Vendor-01/13/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-01/10/2026 |  | Resolved-ICD received, data entered, no new compliance findings. - Due Diligence Vendor-01/14/2026<br>|  |  | Full Review855292_xxxxxx_1_13_2026_14622_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855292 | xxxxxx | C A | Closed | xxxxxx | 2026-01-10 11:45 | 2026-01-14 09:57 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see homeownership couseling - Due Diligence Vendor-01/13/2026 <br> Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-01/10/2026 |  | Resolved-Homeownership Counseling Disclosure Provided - Due Diligence Vendor-01/14/2026<br>|  |  | Full Review855292_xxxxxx_1_13_2026_14336_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855300 | xxxxxx | C A | Closed | xxxxxx | 2025-12-30 09:16 | 2026-01-15 15:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.1 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Can we please re-review and use the beginning balance of the state which is pre-close. xxxxxx!<br> From Seller: Per my underwriting manager, Can you please have this reconsidered/escalated for management review. This is a quarterly statement that covers 10/1/25-12/31/25. Our closing date took place on xxxxxx. Worst case ask them to allow the use of the beginning balance as of 10/1/25 which was $86,760.69 @ 70% = $60802.48. Is there any way to ask the TPR to re-review based on this info above? - Due Diligence Vendor-01/14/2026 <br> Counter-Available Assets need to be dated Prior to closing. the Statement provided states 12.31.2025 (12 days after closing) - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Good Morning. Attached please find additional assets. Per my underwriter, Attached is the borrowers 4th quarter 403B statement that supports a balance of $103,948.91. The guidelines support that we can use 70% of the balance which gives us $72,764.24 that can be used to cover the additional funds needed for reserves. The guidelines also support we dont need the terms of being able to withdraw if we are only using these funds for reserves. Let us know if anything additional is needed. - Due Diligence Vendor-01/09/2026 <br> Counter-Document Uploaded. The Final CD states cash to close is $75,935.11 - xxxxxx account statement states available balance $79,606.8 - EMD has been Verified $30K - 4 months reserves require $13,505.16 - Reserves are short by -$9,833.47 - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. This condition is invalid - please re-review and waive. The xxxxxx statement for November documents the two $15,000 EMD transfers to the Title Company. This matches the EMD documents you received in the file. The $30,000 was already subtracted from the asset balance. Please re-calculated and waive. - Due Diligence Vendor-01/05/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 3 Loan shows $79606.80 in assets from a xxxxxx account, and this is all that client was qualified on based on 1003. Cash at close is $105935.11 and reserves are $13505.16, so we are currently short ($26,328.31) in liquid funds on file. Please provide either documentation of gift or other funds used towards cash to close on transaction, or else additional liquid funds IAO $26328.31 or more. - Due Diligence Vendor-12/30/2025 |  | Resolved-Audited Reserves of 3.1 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.6% 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 - 11.80 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 - 15.31 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.31 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 |  | 855300_xxxxxx_EMD_of_$30K_withdrawn_in_2_$15K_transactions.pdf<br> Screenshot 2026-01-05 133452.jpg<br> Screenshot 2026-01-05 133530.jpg<br> 855300_xxxxxx_GL.pdf<br> 855300_xxxxxx_assets.pdf<br> Full Review855300_xxxxxx_1_13_2026_34726_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 855300 | xxxxxx | C A | Closed | xxxxxx | 2025-12-30 09:08 | 2026-01-15 15:43 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. This condition is invalid - please re-review and waive. The xxxxxx statement for November documents the two $15,000 EMD transfers to the Title Company. This matches the EMD documents you received in the file. The $30,000 was already subtracted from the asset balance. Please re-calculated and waive. - Due Diligence Vendor-01/05/2026 <br> Open-Total Liquid Assets Available for Close of $79606.80 is less than Total Cash to Close $105935.11. Loan shows xxxxxx in assets from a xxxxxx account, and this is all that client was qualified on based on 1003. Cash at close is $105935.11 and reserves are $13505.16, so we are currently short ($26,328.31) in liquid funds on file. Please provide either documentation of gift or other funds used towards cash to close on transaction, or else additional liquid funds IAO $26328.31 or more. - Due Diligence Vendor-12/30/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.6% 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 - 11.80 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 - 15.31 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.31 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 |  | 855300_xxxxxx_EMD_of_$30K_withdrawn_in_2_$15K_transactions.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 855315 | xxxxxx | C A | Closed | xxxxxx | 2026-01-09 01:52 | 2026-01-10 12:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. 1008 Attached - Seller-01/09/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. 1008 Attached - Seller-01/09/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.99 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855315 | xxxxxx | C A | Closed | xxxxxx | 2026-01-09 01:32 | 2026-01-10 12:20 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Bank statements attached - Seller-01/09/2026 <br> Open-Income 1 Months Income Verified is Missing Provide 12 months business bank statements utilized to support income of $11,629.24 per month as seen on the final 1003. Subject to additional conditions once reviewed. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Bank statements attached - Seller-01/09/2026<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/10/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.99 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | bank statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855316 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855320 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855338 | xxxxxx | C A | Closed | xxxxxx | 2025-12-26 07:07 | 2026-01-01 16:40 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxxxxx.Please provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxxxxx PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855338 | xxxxxx | C A | Closed | xxxxxx | 2025-12-26 07:07 | 2026-01-01 16:40 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx AB 489/344 Covered Loan Points and Fees Threshold Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Open-This loan failed the points and fees threshold test.<br> (xxxxxx AB 344 §1 [xxxxxx FC §4970(b)(1)(B)])The total points and fees, as defined in xxxxxx Financial Code § 4970, exceed 6% of the total loan amount, as defined in HOEPA (Section 32). \*\*\*\*\*\*\*\*\*\*\* \*\*\*\*\*\*\* xxxxxx net state funding. Please provide Post Consummation Closing Disclosure balanced to title's final figures to determine the final points & fees. - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxxxxx PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855343 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855345 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855347 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855352 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855353 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855354 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855359 | xxxxxx | B A | Closed | xxxxxx | 2025-12-05 09:10 | 2025-12-05 09:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% 5% LTV to 75% max - Due Diligence Vendor-12/05/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% 5% LTV to 75% max - Due Diligence Vendor-12/05/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.93 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 20+ points <br> PITIA reserves above min by 6 monthS |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 855363 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855373 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 03:29 | 2025-12-05 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-Title Document is missing. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 11.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | PRELIM TITLE REPORT - 2025-12-04Txxxxxx.116.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855376 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 12:37 | 2025-11-28 14:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor-11/28/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Final HUD is missing from the loan file. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 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 132.29 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.41 Years |  | FINAL SETTLEMENT SHEET HUD-1 (29).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855379 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855383 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855389 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855390 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855394 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 06:31 | 2025-12-09 07:40 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved- - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Provide fInal settlement statement for buyer - Subject property missing in file - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.77% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | FINAL SETTLEMENT SHEET HUD-1 (35).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855400 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 12:36 | 2025-11-26 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Counter-The HOI Policy provided for subject property located at xxxxxx has a dwellings amount of $xxxxxx - Loan amount is xxxxxx - policy does not have enough coverage. Provided RCE or updated policy covering the Loan amount. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Open-Missing Hazard Insurance Policy Missing hazard policy of subject property. Policy in file has the same xxxxxx loan # but not the correct address - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.71 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | UPDATED HAZARD INSURANCE (20).pdf<br> Updated Dec Page - xxxxxx (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855407 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 14:20 | 2025-11-20 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. For the purchase contract, it's drafted to xxxxxx or assignee. The assignee based on the LLC docs would include our borrower. xxxxxx is majority member and xxxxxx. - Seller-11/19/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. For the purchase contract, it's drafted to xxxxxx or assignee. The assignee based on the LLC docs would include our borrower. xxxxxx is majority member and xxxxxx. - Seller-11/19/2025 | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-11/20/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 23.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 20.86 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | PURCHASE CONTRACT (9).pdf<br>ADDENDUM TO CONTRACT (3).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (50).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855416 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855471 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855472 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855477 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 07:27 | 2026-01-07 09:32 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided \*\*Received copy of executed NORTC - Due Diligence Vendor-01/07/2026 <br> Ready for Review-see documents on other condition - Seller-01/06/2026 <br> Open-Right of Rescission is Partially Provided Right of Rescission unexecuted - Due Diligence Vendor-12/31/2025 | Ready for Review-see documents on other condition - Seller-01/06/2026<br>| Resolved-Right of Rescission is Provided \*\*Received copy of executed NORTC - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855477 | xxxxxx | D A | Closed | xxxxxx | 2025-12-31 15:02 | 2026-01-07 09:22 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/07/2026 <br> Ready for Review-see documents on other condition - Seller-01/06/2026 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*\* Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-12/31/2025 | Ready for Review-see documents on other condition - Seller-01/06/2026<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855477 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 00:37 | 2026-01-07 08:20 | Resolved | 1 - Information C A | Compliance | Closing Package | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-01/07/2026 <br> Ready for Review-see documents on other condition - Seller-01/06/2026 <br> Open-The Deed of Trust is Not Executed - Due Diligence Vendor-12/29/2025 | Ready for Review-see documents on other condition - Seller-01/06/2026<br>| Resolved-The Deed of Trust is Executed - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855477 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 00:20 | 2026-01-07 08:19 | Resolved | 1 - Information C A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-The Note is Not Executed - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-The Note is Executed - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years |  | signed closing documents - xxxxxx.pdf<br> signed closing documents - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855477 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 00:36 | 2026-01-07 08:19 | Resolved | 1 - Information C A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/07/2026 <br> Ready for Review-see documents on other condition - Seller-01/06/2026 <br> Open-The Final 1003 is Not Executed for borrower 1 and 2 - Due Diligence Vendor-12/29/2025 | Ready for Review-see documents on other condition - Seller-01/06/2026<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.82% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855572 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 20:28 | 2026-01-14 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. See VVOE - Due Diligence Vendor-01/13/2026 <br> Open-Please provide 3rd party VOE from prior to close for borrower 1 - Due Diligence Vendor-01/10/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/10/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/14/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% 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 787 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 0.12<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 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 - 6.87 Years |  | 855572_xxxxxx_VVOE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855574 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 13:43 | 2026-01-16 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached 4506C. - Due Diligence Vendor-01/15/2026 <br> Open-Borrower 1 Executed 4506-T Missing . Provide executed 4506C for personal returns. At the time of review the 4506C in the file was for a different loan. - Due Diligence Vendor-01/13/2026 |  | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-01/16/2026<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.70 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.66% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 855574_xxxxxx_4506C_signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855574 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 13:43 | 2026-01-16 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached 4506C. - Due Diligence Vendor-01/15/2026 <br> Open-Borrower 2 Executed 4506-T Missing . Provide executed 4506C for personal and business returns. At the time of review the 4506C in the file was for a different loan. - Due Diligence Vendor-01/13/2026 |  | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/16/2026<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.70 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.66% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 855574_xxxxxx_4506C_signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855576 | xxxxxx | B A | Closed | xxxxxx | 2026-01-06 03:23 | 2026-01-10 12:34 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. 1008 - Due Diligence Vendor-01/09/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 20.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 740 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 22.9 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Months Reserves Of 22.9 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.50 Years Borrower At Current Residence For Five (5) Or More Years - 10.50 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.89 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.89 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 - 11.74 Year Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.58 Years |  | 855576_xxxxxx_1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855605 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855614 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855620 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855622 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-05 11:39 | 2026-01-14 13:13 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Valid exception granted - Due Diligence Vendor-01/14/2026 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - Reserves exceed requirement by 10 months or more - Seller-01/13/2026 <br> Counter-The initial application date is xxxxxx - CBR in file states originally ordered xxxxxx - that CBR is missing from the loan file. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Please find attached the Scored Credit Report the xxxxxx UW used to qualify. This should suffice as provided pre-close and expires xxxxxx. xxxxxx! - Due Diligence Vendor-01/06/2026 <br> Open-Borrower 1 Credit Report is Partially Present. Original credit report ordered 10/15/2025 and dated 10/15/2025 is missing from the file. The credit report in the file was dated 12/1/2025 due to update to tradeline. - Due Diligence Vendor-01/05/2026 | Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - Reserves exceed requirement by 10 months or more - Seller-01/13/2026 | Resolved-Valid exception granted - Due Diligence Vendor-01/14/2026<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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 51.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.08 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.24 Years |  | 855622_xxxxxx_Credit_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855622 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-05 11:39 | 2026-01-08 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Please see attached. xxxxxx! - Due Diligence Vendor-01/07/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/05/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/08/2026<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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 51.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.08 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.24 Years |  | 855622_xxxxxx_report_(89).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855622 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-02 05:36 | 2026-01-07 14:32 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Please see xxxxxx UW Approval - Due Diligence Vendor-01/06/2026 <br> Open-1008/Underwriting Summary Partially Provided Final 1008 missing reflecting correct interest rate of 7.5% and LTV of 75% - Due Diligence Vendor-01/05/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026<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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 51.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.08 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.24 Years |  | 855622_xxxxxx_855622_xxxxxx_Final_LDL_12.23.2025.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855622 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-02 05:36 | 2026-01-02 05:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client exception granted with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% Exception request for bring max LTV to 75% from the allowed<br> 70% - Due Diligence Vendor-01/02/2026 |  | Waived-Client exception granted with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% Exception request for bring max LTV to 75% from the allowed<br> 70% - Due Diligence Vendor-01/02/2026<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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 51.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.08 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.24 Years | Credit Score 30+ points > minimum required<br> Current primary home ownership > 10 years<br> Self-employed for > 10 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 855622 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-02 05:36 | 2026-01-02 05:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Exception request for bring max LTV to 75% from the allowed<br> 70% - Due Diligence Vendor-01/02/2026 |  | Waived-Client exception granted with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Exception request for bring max LTV to 75% from the allowed<br> 70% - Due Diligence Vendor-01/02/2026<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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 51.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.08 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.24 Years | Credit Score 30+ points > minimum required<br> Current primary home ownership > 10 years<br> Self-employed for > 10 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 855622 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-02 05:36 | 2026-01-02 05:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client exception granted with compensating factors. Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception request for bring max LTV to 75% from the allowed<br> 70% - Due Diligence Vendor-01/02/2026 |  | Waived-Client exception granted with compensating factors. Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception request for bring max LTV to 75% from the allowed<br> 70% - Due Diligence Vendor-01/02/2026<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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 51.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.08 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.24 Years | Credit Score 30+ points > minimum required<br> Current primary home ownership > 10 years<br> Self-employed for > 10 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 855642 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855644 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855647 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855648 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855650 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855672 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855673 | xxxxxx | B A | Closed | xxxxxx | 2026-01-09 07:07 | 2026-01-09 13:44 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted with compensating factors. Income and Employment Do Not Meet Guidelines NSF's exceed guideline maximum of 3 within the last 12 months; Qualifying accounts have a total of 15 NSFs within the last 12 months. - Due Diligence Vendor-01/09/2026 |  | Waived-Client exception granted with compensating factors. Income and Employment Do Not Meet Guidelines NSF's exceed guideline maximum of 3 within the last 12 months; Qualifying accounts have a total of 15 NSFs within the last 12 months. - Due Diligence Vendor-01/09/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years | DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 855750 | xxxxxx | D A | Closed | xxxxxx | 2026-01-06 15:13 | 2026-01-10 12:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final CD (escrowed) & Purchase Contract provided - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Please see attached terms. xxxxxx! - Due Diligence Vendor-01/09/2026 <br> Open-Missing terms of financing for REO #xxxxxx See xxxxxx. - Due Diligence Vendor-01/06/2026 |  | Resolved-Final CD (escrowed) & Purchase Contract provided - Due Diligence Vendor-01/10/2026<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 Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 75% 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 79.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 79.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.73 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.73 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years |  | 855750_xxxxxx_CD_xxxxxx.pdf<br> 855750_xxxxxx_Purchase_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855750 | xxxxxx | D A | Closed | xxxxxx | 2026-01-06 12:56 | 2026-01-10 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Please see Bank Statements Worksheet. xxxxxx! - Due Diligence Vendor-01/09/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary with figures. - Due Diligence Vendor-01/06/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/10/2026<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 Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 75% 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 79.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 79.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.73 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.73 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years |  | 855750_xxxxxx_854919__xxxxxx_ANALYSIS_12.12.2025.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855750 | xxxxxx | D A | Closed | xxxxxx | 2026-01-06 13:52 | 2026-01-10 12:30 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. GAP report - Due Diligence Vendor-01/09/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 30 days from Closing/Settlement Date). GAP report date = 11/18/25, Note date = xxxxxx. - Due Diligence Vendor-01/06/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-01/10/2026<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 Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 75% 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 79.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 79.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.73 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.73 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years |  | 855750_xxxxxx_LQI_xxxxxx_xxxxxx.pdf<br> 855750_xxxxxx_LQI_xxxxxx_xxxxxx_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855752 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 20:23 | 2026-01-12 15:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received Final CD - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. 1/7/26 - please see Final CD - Due Diligence Vendor-01/10/2026 <br>Open-Final CLosing Disclosure Fees Sheet missing, Closing cost details, and Loan Disclosure, Loan Calculation - Due Diligence Vendor-12/30/2025 |  | Resolved-\*\*Received Final CD - Due Diligence Vendor-01/12/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Final CLosing Disclosure Fees Sheet missing, Closing cost details, and Loan Disclosure, Loan Calculation | Full Review855752_xxxxxx_1_7_2026_14135_PM.zip<br> 855752_xxxxxx_CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855752 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 06:57 | 2026-01-12 15:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided \*\*\*\*Received Final CD - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. 1/7/26 - please see Final CD - Due Diligence Vendor-01/10/2026 <br>Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure document is partial. - Due Diligence Vendor-12/29/2025 |  | Resolved-TRID: Final Closing Disclosure Provided \*\*\*\*Received Final CD - Due Diligence Vendor-01/12/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 855752_xxxxxx_CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855752 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 08:25 | 2026-01-10 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. 1/7/26 - Please see SE Verification - Due Diligence Vendor-01/10/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing . Voe Provided but no verification date has been mentioned - Due Diligence Vendor-12/29/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/10/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 855752_xxxxxx_SE_VOE_Evidence.pdf<br> 855752_xxxxxx_SE_VOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855753 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855754 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855760 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855780 | xxxxxx | D A | Closed | xxxxxx | 2025-12-24 14:51 | 2026-01-19 11:17 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Received PCCD - Due Diligence Vendor-01/19/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/19/2026 <br>Ready for Review-Document Uploaded. See PCCD with page four completed. - Due Diligence Vendor-01/18/2026 <br>Open-\*\*\*\*\*\*\*\* Final Closing Disclosure Page 4 escrow indicator failed to indicate ""borrower declined"" or ""Lender does not offer"". - Due Diligence Vendor-12/24/2025 |  | Resolved-Received PCCD - Due Diligence Vendor-01/19/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.52 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 111.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 18.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 50.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 809 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | Full Review855780_xxxxxx_1_16_2026_85334_AM.zip<br> 855780_xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855782 | xxxxxx | D A | Closed | xxxxxx | 2026-01-06 06:23 | 2026-01-14 14:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. 1/12/26 - please see UDM - Due Diligence Vendor-01/13/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/06/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - 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 - 20.50 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 - 30.97 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 122.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.99 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.86% 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 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 855782_xxxxxx_AD_UDM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855782 | xxxxxx | D A | Closed | xxxxxx | 2026-01-06 06:11 | 2026-01-14 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. 1/12/26 - please see Lender worksheet attached. - Due Diligence Vendor-01/13/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-01/06/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - 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 - 20.50 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 - 30.97 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 122.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.99 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.86% 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 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 855782_xxxxxx_LMRN_worksheet.pdf<br> 855782_xxxxxx_UW_INCOME_MEMO.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855784 | xxxxxx | D A | Closed | xxxxxx | 2025-12-26 04:52 | 2026-01-02 08:30 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-PRA card provided. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. 12/31/25 - please see front and back of perm resident card - Due Diligence Vendor-01/02/2026 <br>Open-Missing Permanent resident ID proof of Borrower 2. - Due Diligence Vendor-12/26/2025 |  | Resolved-PRA card provided. - Due Diligence Vendor-01/02/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.85 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 855784_xxxxxx_Permanent_Resident_Card_(Back).pdf<br> 855784_xxxxxx_Permanent_Resident_Card_(Front).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855784 | xxxxxx | D A | Closed | xxxxxx | 2025-12-26 01:41 | 2026-01-02 08:29 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. 12/31/25 - please see hoa questionnaire - Due Diligence Vendor-01/02/2026 <br> Open-HOA Questionnaire Document status is Missing. The HOA Questionnaire is missing from xxxxxx<br> - Due Diligence Vendor-12/26/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-01/02/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.85 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 855784_xxxxxx_condo_questionnaire.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856103 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-22 17:10 | 2026-01-27 13:40 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-\*\*Received confirmation of the application date. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. 1/23/26 - Lender response: See fully-signed Initial 1003 with e-tracking. Loan App Date was xxxxxx. - Due Diligence Vendor-01/26/2026 <br> Open-\*\*\*\* Documentation provided does not include confirmation of the borrowers application date. (LO signature date is only the date the LO acknowledged the URLA, not the date the lender received the 6 pieces of information required to trigger the application timing) A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-01/22/2026 |  | Resolved-\*\*Received confirmation of the application date. - Due Diligence Vendor-01/27/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 784 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 - 9.08 Years Borrower At Current Residence For Five (5) Or More Years - 9.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 30.99% 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 65.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 65.04 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | 856103_xxxxxx_Initial_1003_w_Tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856103 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-22 16:23 | 2026-01-26 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. 1/23/26 - Lender response: This was provided with the loan file on Pg. 696/1071. Please waive - Due Diligence Vendor-01/26/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP report. A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 10 days prior to loan - Due Diligence Vendor-01/22/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 784 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 - 9.08 Years Borrower At Current Residence For Five (5) Or More Years - 9.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 30.99% 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 65.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 65.04 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | 856103_xxxxxx_LQI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856103 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-22 16:23 | 2026-01-26 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. 1/23/26 - Lender response: This was provided with the loan file on Pg. 696/1071. Please waive - Due Diligence Vendor-01/26/2026 <br>Open-Borrower 2 Gap Credit Report is Missing Missing GAP report. A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 10 days prior to loan - Due Diligence Vendor-01/22/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 784 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 - 9.08 Years Borrower At Current Residence For Five (5) Or More Years - 9.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 30.99% 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 65.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 65.04 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | 856103_xxxxxx_LQI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856109 | xxxxxx | D A | Closed | xxxxxx | 2026-01-05 08:04 | 2026-01-10 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/09/2026 <br>Open-Title Document is missing - Due Diligence Vendor-01/05/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-01/10/2026<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 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 0.06<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Updated Prelim V2_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856143 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856163 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 14:05 | 2026-01-15 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-All pages of the bank statement provided - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see attached February Bank Statement. - Due Diligence Vendor-01/14/2026 <br> Open-missing page 1 of 4 for bank statement from xxxxxx 2/1/25-2/28/25 used for income qualifying - Due Diligence Vendor-01/09/2026 |  | Resolved-All pages of the bank statement provided - Due Diligence Vendor-01/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 18.56 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 34.68% 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | 856163_xxxxxx_Feb_BS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856226 | xxxxxx | D A | Closed | xxxxxx | 2026-01-08 13:30 | 2026-01-14 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see gap report - Due Diligence Vendor-01/13/2026 <br>Open-Borrower 1 Gap Credit Report is Missing According to guidelines A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30-days prior to loan closing is required. - Due Diligence Vendor-01/08/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 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 28.51% 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 0.19 |  | 856226_xxxxxx_LQI_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856226 | xxxxxx | D A | Closed | xxxxxx | 2026-01-08 13:30 | 2026-01-14 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see gap report - Due Diligence Vendor-01/13/2026 <br>Open-Borrower 2 Gap Credit Report is Missing According to guidelines A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30-days prior to loan closing is required. - Due Diligence Vendor-01/08/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 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 28.51% 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 0.19 |  | 856226_xxxxxx_LQI_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856227 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856229 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 23:52 | 2026-01-15 15:56 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-01/14/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/14/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 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 - 17.14 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.14 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 16.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 126.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 856229_xxxxxx_856229_xxxxxx_Final_LDL_12.31.2025.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856229 | xxxxxx | D A | Closed | xxxxxx | 2026-01-13 23:13 | 2026-01-15 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Please see attached Income Summary Workbook. - Due Diligence Vendor-01/14/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-01/14/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 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 - 17.14 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.14 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - 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 16.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 126.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 856229_xxxxxx_856231__xxxxxx_ANALYSIS_12-16-25_(1).xlsx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856231 | xxxxxx | D A | Closed | xxxxxx | 2026-01-12 06:46 | 2026-01-15 16:00 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. PLease see approval - Due Diligence Vendor-01/14/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/12/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 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 80.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.06% 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>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.14 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.14 Years |  | 856231_xxxxxx_856231_xxxxxx_Final_LDL_12.31.2025_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856231 | xxxxxx | D A | Closed | xxxxxx | 2026-01-12 06:00 | 2026-01-15 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-01/14/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-01/12/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 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 80.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.06% 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>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.14 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.14 Years |  | Full Review856231_xxxxxx_1_13_2026_55305_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856306 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856320 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 12:16 | 2025-12-29 13:34 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Open-Property Title Issue . Provide documentation to evidence Lien Certificate for Delinquent Utility Service Charges for$xxxxxx #8 on title and xxxxxx Consolidated Utilities Billing for $397.33 #9 on title are paid off and closed prior to closing as it does not show on the final CD as being paid and no other documentation was provided. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-12/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.61 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | LIEN RELEASE CITY #9.pdf<br> LIEN RELEASE CITY #8.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856320 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 12:40 | 2025-12-22 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/19/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.61 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | ADV-120 REPORT - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856339 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856363 | xxxxxx | B A | Closed | xxxxxx | 2026-01-13 12:44 | 2026-01-13 12:44 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Client exception granted with compensating factors. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Exception to allow a VOM without 6 months payments verification - Due Diligence Vendor-01/13/2026 |  | Waived-Client exception granted with compensating factors. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Exception to allow a VOM without 6 months payments verification - Due Diligence Vendor-01/13/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.02 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 53.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Qualifying credit score is 777 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856391 | xxxxxx | D A | Closed | xxxxxx | 2026-01-15 15:37 | 2026-01-16 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement provided - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Open-Missing verification of HOA fees for the following property: xxxxxx - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-HOA statement provided - Due Diligence Vendor-01/16/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.58% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 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 - 6.68 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.17 Years |  | xxxxxx HOA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856391 | xxxxxx | D A | Closed | xxxxxx | 2026-01-16 08:31 | 2026-01-16 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 reflecting the Audited DTI provided - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/16/2026 <br>Open-DTI discrepancy of audit 47.09% vs lender 28.21% due to lender not including the first mortgage P&I on the 1008. Provide updated 1008. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026<br>| Resolved-Updated 1008 reflecting the Audited DTI provided - Due Diligence Vendor-01/16/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 31.58% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 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 - 6.68 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.17 Years |  | xxxxxx Updated 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856393 | xxxxxx | B A | Closed | xxxxxx | 2026-01-28 08:00 | 2026-01-29 15:37 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. 1/28/26 - See attached 1008 - Due Diligence Vendor-01/29/2026 <br>Open-1008/Underwriting Summary Partially Provided . Provide corrected 1008 and Approval for correct monthly income. Currently income reflects $235,253.84 however that is with 100% ownership. Borrower is 50% owner and actual income is $117,626.92. - Due Diligence Vendor-01/28/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026<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 0.11<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.52 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 6.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | 856393_xxxxxx_Updated_1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856516 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-14 20:50 | 2026-01-26 14:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: The request for an exception to xxxxxx's eligibility criteria is granted for Audited DTI of 51.37% exceeds guideline maximum of 50%. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted for Audited DTI of 51.37% exceeds guideline maximum of 50%. - Due Diligence Vendor-01/26/2026 <br> Open-Audited DTI of 51.37% exceeds guideline maximum of 50%. - Due Diligence Vendor-01/15/2026 |  | Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: The request for an exception to xxxxxx's eligibility criteria is granted for Audited DTI of 51.37% exceeds guideline maximum of 50%. - Due Diligence Vendor-01/26/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years Borrower At Current Residence For Five (5) Or More Years - 7.08 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 - 6.89 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.89 Years | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - Employed at same job > 5 years <br> Compensating Factor 3 - Current primary home ownership > 5 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | xxxxxx |
| 856516 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-02 00:41 | 2026-01-12 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid drivers license provided - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Citizenship Document - Driver License. - Buyer-01/12/2026 <br> Counter-Condition is for Missing Drivers license and/or xxxxxx Patriot Act form. verifying the borrower SSN does not replace requiring a form of Identification. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. 1/8/2026 - re-uploaded thru xxxxxx to avoid system issues. Please see SSN verification completed by Lender to verify CIP info. - Buyer-01/08/2026 <br> Counter-Nothing was attached, Pleas re-upload. Condition is missing Drivers license and/or xxxxxx Patriot Act form - Due Diligence Vendor-01/08/2026 <br> Ready for Review-1/6/26 - Please see attached. If not acceptable, please provide clarity and specify the citizenship issue(s). - Due Diligence Vendor-01/07/2026 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-01/02/2026 |  | Resolved-Valid drivers license provided - Due Diligence Vendor-01/12/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.89 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.89 Years |  | SSN Verify xxxxxx (1).pdf<br>Citizenship Document _ DL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 856516 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-02 01:19 | 2026-01-12 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Fraud report - Due Diligence Vendor-01/10/2026 <br>Open-Missing Third Party Fraud Report, Required Fraud Report with all Information. - Due Diligence Vendor-01/02/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/10/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.89 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.89 Years |  | 856516_xxxxxx_Fraud.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 856516 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-02 01:18 | 2026-01-10 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. 1/7/26 - please see HOI. - Due Diligence Vendor-01/10/2026 <br> Open-Missing Hazard Insurance Policy for Subject property located at xxxxxx. Require HOI Insurance Document with Dwelling, Premium and all Information. - Due Diligence Vendor-01/02/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/10/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.89 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.89 Years |  | 856516_xxxxxx_-_HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxxxxx |
| 856537 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856550 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856561 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 856631 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856648 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-23 15:01 | 2026-01-30 10:44 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD. - Due Diligence Vendor-01/29/2026 <br>Open-\*\*\*\*\*\*\* Final Closing Disclosure Page 4 escrow indicator failed to indicate ""borrower declined"" or ""Lender does not offer"". - Due Diligence Vendor-01/23/2026 <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-01/23/2026 |  | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-01/30/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.69 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.69 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.26% 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 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 15.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years |  | Full Review856648_xxxxxx_1_29_2026_15509_PM.zip<br> 856648_xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856648 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-23 13:49 | 2026-01-27 15:18 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Please see attached paystubs. - Due Diligence Vendor-01/27/2026 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided BWR 1 paystub period beginning 11/3/2025-11/09/225 in file from xxxxxx, Missing 30 days worth - Due Diligence Vendor-01/23/2026 |  | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-01/27/2026<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 - 6.69 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.69 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.26% 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 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 15.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years Borrower At Current Residence For Five (5) Or More Years - 8 Years |  | 856648_xxxxxx_PAYSTUB.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856655 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856690 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856703 | xxxxxx | D A | Closed | xxxxxx | 2026-01-07 09:55 | 2026-01-13 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. Please see attached Flood Cert. - Due Diligence Vendor-01/13/2026 <br>Open-Missing Flood Certificate Flood certificate is missing from file to determine if in flood zone - please provide. - Due Diligence Vendor-01/07/2026 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/13/2026<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 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 33.32% 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 - 12.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.24 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | 856703_xxxxxx_FLOOD_CERT_(12).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856723 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-19 09:46 | 2025-12-23 13:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: Loan amount over $3.5mm - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Open-Audited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $3500000. no exception found in file. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: Loan amount over $3.5mm - Due Diligence Vendor-12/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.88% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 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 70% 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 - 10.84 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 - 8.23 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | excellent credit history / Minimal use of consumer credit<br> Excessive reserves<br> Significant residual income | xxxxxx Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856723 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-19 09:18 | 2025-12-23 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.88% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 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 70% 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 - 10.84 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 - 8.23 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxxxxx Credit Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856723 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-19 09:18 | 2025-12-23 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-12/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.88% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 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 70% 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 - 10.84 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 - 8.23 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxxxxx Credit Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856728 | xxxxxx | D A | Closed | xxxxxx | 2025-12-31 11:11 | 2025-12-31 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see email confirm that the HOA covers wall-in with betterments and improvements. Please waive this condition. xxxxxx - Seller-12/31/2025 <br> Open-HO-6 Insurance Policy is Missing Missing evidence of unit insurance. HOI for property provided from xxxxxx is unclear what is the coverage for the individual unit and unit owners. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. xxxxxx Team, please see email confirm that the HOA covers wall-in with betterments and improvements. Please waive this condition. xxxxxx - Seller-12/31/2025<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-12/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.72 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 769 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | email confirm - xxxxxx_2025_12_31_@09_34_42.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856747 | xxxxxx | D A | Closed | xxxxxx | 2026-01-20 11:10 | 2026-01-26 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Purchase contract - Due Diligence Vendor-01/26/2026 <br> Open-Purchase Contract Is Missing . Provide complete purchase agreement to support the purchase price of xxxxxx as closing. At the time of review only an Addendum No.1 was provided. - Due Diligence Vendor-01/21/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/26/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 856747_xxxxxx_RPA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856748 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856764 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856778 | xxxxxx | D A | Closed | xxxxxx | 2026-01-19 06:57 | 2026-01-27 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. See gap report - Due Diligence Vendor-01/27/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/19/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 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 - 41.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 41.27 Years |  | 856778_xxxxxx_REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856778 | xxxxxx | D A | Closed | xxxxxx | 2026-01-19 12:14 | 2026-01-21 20:37 | Resolved | 1 - Information A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence Vendor-01/22/2026 <br>Open- - Due Diligence Vendor-01/22/2026 <br>Rescinded-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,784.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,812.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/19/2026 <br>Open- - Due Diligence Vendor-01/22/2026 <br>Open- - Due Diligence Vendor-01/22/2026 <br>Open- - Due Diligence Vendor-01/22/2026 <br>Open- - Due Diligence Vendor-01/22/2026 <br>Open- - Due Diligence Vendor-01/22/2026 <br>Open- - Due Diligence Vendor-01/20/2026 <br>Open- - Due Diligence Vendor-01/19/2026 <br>Open- - Due Diligence Vendor-01/19/2026 |  | Resolved- - Due Diligence Vendor-01/22/2026 <br>Rescinded-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,784.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,812.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/19/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 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 - 41.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 41.27 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856781 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856785 | xxxxxx | C A | Closed | xxxxxx | 2026-01-14 12:36 | 2026-01-15 20:55 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-updated 1008 provided - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/15/2026 <br>Open-Document Uploaded. - Due Diligence Vendor-01/14/2026 <br>Open-Audited Ratios are 36.54%/41.41% vs Lenders Ratios of 31.485%/35.680% - this is due to Less Income being calculated - Audited Income is $17,025.77 vs Lenders $19,761.16 - Provided Updated 1008 reflecting Audited Ratios - Due Diligence Vendor-01/14/2026 |  | Resolved-updated 1008 provided - Due Diligence Vendor-01/16/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.41% 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 200.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx Audited Income Worksheet.pdf<br> updated 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856785 | xxxxxx | C A | Closed | xxxxxx | 2026-01-07 14:18 | 2026-01-14 12:36 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Updated 1008 provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/13/2026 <br>Open-1008/Underwriting Summary Partially Provided . Provide corrected 1008 for income. Currently 1008 reflects $88,713.59. Final 1003 and asset depletion worksheet both show $19,761.16. - Due Diligence Vendor-01/07/2026 |  | Resolved-Updated 1008 provided - Due Diligence Vendor-01/14/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.41% 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 200.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856794 | xxxxxx | D A | Closed | xxxxxx | 2026-01-02 08:35 | 2026-01-14 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-HELOC agreement showing Initial Draw of xxxxxx provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached HELOC agreement showing Initial Draw of xxxxxx. - Due Diligence Vendor-01/13/2026 <br> Open-. Provide source of funds for the large deposit of xxxxxx, on 12/2/2025, into xxxxxx xxxxxx as required per guidelines. - Due Diligence Vendor-01/02/2026 |  | Resolved-HELOC agreement showing Initial Draw of xxxxxx provided - Due Diligence Vendor-01/14/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 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 39.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.65 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | 856794_xxxxxx_-_HELOC_Agreement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856794 | xxxxxx | D A | Closed | xxxxxx | 2026-01-02 08:26 | 2026-01-14 14:44 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-HELOC agreement provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached HELOC agreement showing a monthly payment of $1,357.37. - Due Diligence Vendor-01/13/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. . Provide 2nd lien payment history for primary residence located at xxxxxx with xxxxxx to confirm paid as agreed and monthly payment of $1,357.37 as disclosed on the final 1003 as it was not provided and does not show on the credit report. - Due Diligence Vendor-01/02/2026 |  | Resolved-HELOC agreement provided - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 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 39.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.31 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.65 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | 856794_xxxxxx_-_HELOC_Agreement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856795 | xxxxxx | D A | Closed | xxxxxx | 2026-01-11 12:23 | 2026-01-19 08:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-PRA card provided - Due Diligence Vendor-01/19/2026 <br> Ready for Review-Document Uploaded. Please see perm resident card - Due Diligence Vendor-01/18/2026 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Missing docs required per guidelines for Borrower #2who declares to be a "Permanent Resident Alien". (1) Unexpired Alien Registration Card I-551 (Green Card/Resident Alien card) and/or (2) Non-expired foreign passport that contains a non-expired stamp (valid for a minimum of three years) - Due Diligence Vendor-01/11/2026 |  | Resolved-PRA card provided - Due Diligence Vendor-01/19/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 35.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 50.54% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 10.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 23.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.73 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.25 Years |  | 856795_xxxxxx_PERM_RES_CARDS_-_BACK.pdf<br> 856795_xxxxxx_PERM_RES_CARDS_-_FRONT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856795 | xxxxxx | D A | Closed | xxxxxx | 2026-01-11 12:23 | 2026-01-19 08:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-PRA card provided - Due Diligence Vendor-01/19/2026 <br>Ready for Review-Document Uploaded. Please see perm resident card - Due Diligence Vendor-01/18/2026 <br>Open-Borrower 1 Citizenship Documentation Is Missing Missing docs required per guidelines for Borrower #1 who declares to be a "Permanent Resident Alien". (1) Unexpired Alien Registration Card I-551 (Green Card/Resident Alien card) and/or (2) Non-expired foreign passport that contains a non-expired stamp (valid for a minimum of three years) - Due Diligence Vendor-01/11/2026 |  | Resolved-PRA card provided - Due Diligence Vendor-01/19/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 35.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 50.54% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 10.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 23.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.73 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.25 Years |  | 856795_xxxxxx_PERM_RES_CARDS_-_BACK.pdf<br> 856795_xxxxxx_PERM_RES_CARDS_-_FRONT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856816 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856855 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856881 | xxxxxx | D A | Closed | xxxxxx | 2026-01-20 02:18 | 2026-01-27 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. Credit refresh - Due Diligence Vendor-01/27/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. Guidelines allow a maximum of 30-days between GAP credit. - Due Diligence Vendor-01/20/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 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 27.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 27.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years Borrower At Current Residence For Five (5) Or More Years - 22 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.88 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.88 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.88 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.88 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.28% 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 790 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 856881_xxxxxx_Credit_Refresh_1.7.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856911 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856917 | xxxxxx | D A | Closed | xxxxxx | 2026-01-29 00:24 | 2026-02-03 08:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA documentation provided. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. See HOA confirmation. - Due Diligence Vendor-02/03/2026 <br> Open-(1) REO property xxxxxx B12- Missing proof of the HOA dues paid $751.98 (2) REO Property xxxxxx- Provide proof of the HOA dues $864.73. The Dues shown on the Appraisal for this REO page 6 shows dues as $547 monthly. - Due Diligence Vendor-01/29/2026 |  | Resolved-HOA documentation provided. - Due Diligence Vendor-02/03/2026<br>|  |  | 856917_xxxxxx_lox_re_hoa.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856917 | xxxxxx | D A | Closed | xxxxxx | 2026-01-29 01:11 | 2026-02-02 13:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 39.07% is less than or equal to AUS DTI of 39.3% - Due Diligence Vendor-01/31/2026 <br>Open-Audited DTI of 39.4% exceeds AUS DTI of 39.3% - Due Diligence Vendor-01/29/2026 |  | Resolved-Audited DTI of 39.07% is less than or equal to AUS DTI of 39.3% - Due Diligence Vendor-01/31/2026<br>|  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856919 | xxxxxx | D A | Closed | xxxxxx | 2026-01-21 15:03 | 2026-01-26 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. Credit refresh for b1 and b2 - Due Diligence Vendor-01/26/2026 <br>Open-Borrower 1 Gap Credit Report is Missing . Provide a gap credit report or Undisclosed Debt Monitoring (UDM) report that is no more than 30- days prior to loan closing or any time after closing as per guidelines section 2.6.2. - Due Diligence Vendor-01/21/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 72.95% 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 75.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<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 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 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 - 8.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<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 - 12.76 Years |  | 856919_xxxxxx_joint_credit_refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856919 | xxxxxx | D A | Closed | xxxxxx | 2026-01-21 15:03 | 2026-01-26 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. Credit refresh for b1 and b2 - Due Diligence Vendor-01/26/2026 <br>Open-Borrower 2 Gap Credit Report is Missing . Provide a gap credit report or Undisclosed Debt Monitoring (UDM) report that is no more than 30- days prior to loan closing or any time after closing as per guidelines section 2.6.2. - Due Diligence Vendor-01/21/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 72.95% 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 75.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<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 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 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 - 8.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<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 - 12.76 Years |  | 856919_xxxxxx_joint_credit_refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856923 | xxxxxx | C A | Closed | xxxxxx | 2026-01-12 14:58 | 2026-01-15 16:26 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/14/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR showing most recent 12 months of rental history for B1 and B2 required per guidelines. - Due Diligence Vendor-01/12/2026 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/15/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.11 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 765 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxxx VOR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856939 | xxxxxx | D A | Closed | xxxxxx | 2026-01-15 11:30 | 2026-01-23 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Please see UDN - Due Diligence Vendor-01/22/2026 <br> Open-Borrower 1 Gap Credit Report is Missing . Provide A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing as required per guidelines section 2.6.2 - Due Diligence Vendor-01/15/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/23/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.81 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.93% 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 28.78 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |  | 856939_xxxxxx_UDN.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856939 | xxxxxx | D A | Closed | xxxxxx | 2026-01-15 11:55 | 2026-01-23 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-xxxxxx xxxxxx lease agreement provided - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx agreement - Due Diligence Vendor-01/22/2026 <br> Open-. Provide lease agreement with xxxxxx xxxxxx showing no more than $697.59 monthly payment as utilized in approval. - Due Diligence Vendor-01/17/2026 |  | Resolved-xxxxxx xxxxxx lease agreement provided - Due Diligence Vendor-01/23/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.81 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.93% 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 28.78 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |  | 856939_xxxxxx_Agreement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856954 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856960 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856964 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856967 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856978 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856980 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 856984 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856988 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856990 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857008 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 14:31 | 2026-01-28 11:48 | Resolved | 1 - Information C A | Compliance | TILA | CD: General Form Requirements Not Met | Resolved-CD: General Form Requirements Met \*\*Received PCCD. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. PCCD - Due Diligence Vendor-01/28/2026 <br>Open-CD: General Form Requirements Not Met \*\*Partial Payments section of page 4 of the Final CD does not have a selection. - Due Diligence Vendor-01/26/2026 |  | Resolved-CD: General Form Requirements Met \*\*Received PCCD. - Due Diligence Vendor-01/28/2026<br>|  |  | 857008_Craft_Post_CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857008 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-23 00:50 | 2026-01-23 00:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client exception granted with compensating factors. Condo project does not meet guidelines. New Condo with < 50% Presale (18%) - Due Diligence Vendor-01/23/2026 |  | Waived-Client exception granted with compensating factors. Condo project does not meet guidelines. New Condo with < 50% Presale (18%) - Due Diligence Vendor-01/23/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.76% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | -LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> - Credit Score 30+ points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857010 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857014 | xxxxxx | D A | Closed | xxxxxx | 2026-01-12 23:42 | 2026-01-15 21:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit report provided - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/15/2026 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/13/2026 |  | Resolved-Credit report provided - Due Diligence Vendor-01/16/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 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 254.3 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Borrower 1 Credit Report is Missing. | xxxxxx Cr report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857014 | xxxxxx | D A | Closed | xxxxxx | 2026-01-12 23:42 | 2026-01-15 21:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Credit report provided - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/15/2026 <br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-01/13/2026 |  | Resolved-Credit report provided - Due Diligence Vendor-01/16/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 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 254.3 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Borrower 2 Credit Report is Missing. | xxxxxx Cr report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857144 | xxxxxx | C A | Closed | xxxxxx | 2025-07-31 18:32 | 2026-01-16 20:09 | Waived | 3 - Material C | Compliance | TRID | TRID: Missing Closing Disclosure | Waived-Client accepts finding as xxxxxx compliance grade loan. SOL Expiration xxxxxx - Due Diligence Vendor-01/17/2026 <br> Open-\*\*\*\*\*\*\*\*Paying personal debts in close make loan "consumer purpose" and subject to full compliance testing.\*\*\*Documentation provided does not contain the Initial Closing Disclosure is Missing. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. ---- Revised Loan Estimate issued xxxxxx violates 4 days prior to consummation timing rules, and as an Closing Disclosure cannot be issued same day as an Loan Estimate, it would appear that, once received, the Initial Closing Disclosure delivery date will also, be in violation of TRID timing rules. - Due Diligence Vendor-08/04/2025 |  | Waived-Client accepts finding as xxxxxx compliance grade loan. SOL Expiration xxxxxx - Due Diligence Vendor-01/17/2026  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.57 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.58 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857144 | xxxxxx | C A | Closed | xxxxxx | 2025-07-31 18:33 | 2026-01-16 20:08 | Waived | 3 - Material C | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Waived-Client accepts finding as xxxxxx compliance grade loan. SOL Expiration xxxxxx - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-07/31/2025 <br> Open- - Due Diligence Vendor-07/31/2025 |  | Waived-Client accepts finding as xxxxxx compliance grade loan. SOL Expiration xxxxxx - Due Diligence Vendor-01/17/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.57 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.58 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857147 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-16 13:03 | 2026-01-16 19:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client exception granted with compensating factors. Client exception granted with compensating factors to allow DTI in excess of guideline maximum. - Due Diligence Vendor-01/17/2026 <br> Open-Audited DTI of 50.31% exceeds Guideline DTI of 43% . borrower to qualify on fully amortized pmt of $4,696.91 - Due Diligence Vendor-09/16/2025 |  | Waived-Client exception granted with compensating factors. Client exception granted with compensating factors to allow DTI in excess of guideline maximum. - Due Diligence Vendor-01/17/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.48% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 113.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857164 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857198 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857217 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857232 | xxxxxx | D A | Closed | xxxxxx | 2026-01-07 06:55 | 2026-01-10 07:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-01/10/2026 <br>Open-2nd home, Missing mortgage statement which should show PITI and also HOA fees if applicable for property. (Current UW uses credit report payment without further detail) - Due Diligence Vendor-01/07/2026 |  |  | 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 - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.82 Years |  | 857232_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857232 | xxxxxx | D A | Closed | xxxxxx | 2026-01-07 07:18 | 2026-01-10 07:18 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Rent Free Letter - Due Diligence Vendor-01/10/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing primary residence rent free letter or verification. - Due Diligence Vendor-01/07/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/10/2026<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 - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.82 Years |  | 857232_xxxxxx_Rent_Free.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857232 | xxxxxx | D A | Closed | xxxxxx | 2026-01-06 10:10 | 2026-01-10 07:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Asset account - Due Diligence Vendor-01/10/2026 <br> Open-Asset 1 Missing Missing current bank statements for xxxxxx as seen on 1003. - Due Diligence Vendor-01/06/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-01/10/2026<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 - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.82 Years |  | 857232_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857232 | xxxxxx | D A | Closed | xxxxxx | 2026-01-06 09:35 | 2026-01-10 07:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Purchase Contract - Due Diligence Vendor-01/10/2026 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-01/06/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/10/2026<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 - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.82 Years |  | 857232_xxxxxx_Contract.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857267 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-02 00:43 | 2026-01-13 15:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: The request for an exception to xxxxxx eligibility criteria is granted for Loan amount - Due Diligence Vendor-01/13/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 As the minimum loan amount for xxxxxx xxxxxx is $150,000 and our client's loan is less than that with no exception on file, we will need an exception granted to waive xxxxxx minimum loan requirement. - Due Diligence Vendor-01/02/2026 |  | Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: The request for an exception to xxxxxx eligibility criteria is granted for Loan amount - Due Diligence Vendor-01/13/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.07% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio 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 | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines<br> Compensating Factor 3 - Current primary home ownership > 2 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 857276 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857283 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 857310 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857326 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857361 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 857377 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857381 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857385 | xxxxxx | D A | Closed | xxxxxx | 2026-01-18 06:10 | 2026-01-22 14:42 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Updated 1003 provided - Due Diligence Vendor-01/22/2026 <br> Ready for Review-xxxxxx team, the updated final 1003 does not need to signed by borrower nor lender. Please waive this condition. xxxxxx - Seller-01/21/2026 <br> Counter-The Final 1003 in the Lenders Loan file was signed and dated by the borrower on xxxxxx (at Closing) with the missing Employment Information- The Application provided in this condition is not signed nor dated by the borrower or the broker. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, the updated Final 1003 was included in the CP. Please see attached. xxxxxx - Seller-01/20/2026 <br> Open-The Final 1003 is Incomplete. Final 1003 Employment details is missing . - Due Diligence Vendor-01/18/2026 | Ready for Review-xxxxxx team, the updated final 1003 does not need to signed by borrower nor lender. Please waive this condition. xxxxxx - Seller-01/21/2026 <br>Ready for Review-Document Uploaded. xxxxxx Team, the updated Final 1003 was included in the CP. Please see attached. xxxxxx - Seller-01/20/2026<br>| Resolved-Updated 1003 provided - Due Diligence Vendor-01/22/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.79 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 43.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx_Condition.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857459 | xxxxxx | B A | Closed | xxxxxx | 2026-01-19 04:33 | 2026-01-19 04:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client exception granted with compensating factors. Audited FICO of 696 is less than Guideline FICO of 700 EXCEPTION REQUIRED TO ALLOW ESCROW WAIVER WITH A FICO SCORE OF 696, WHICH IS 4 POINTS BELOW THE REQUIRED MINIMUM OF 700 - Due Diligence Vendor-01/19/2026 |  | Waived-Client exception granted with compensating factors. Audited FICO of 696 is less than Guideline FICO of 700 EXCEPTION REQUIRED TO ALLOW ESCROW WAIVER WITH A FICO SCORE OF 696, WHICH IS 4 POINTS BELOW THE REQUIRED MINIMUM OF 700 - Due Diligence Vendor-01/19/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | DTI <38%, RESERVES 13+ |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857460 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857461 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-05 09:30 | 2026-01-08 11:56 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-\*\*\*Received corrected PCCD. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Open-\*\*\* Lender included $19,024.97 charges paid to tax municipality in the Finance charge, Total of Payments and APR disclosed to the borrower. As the Final CD APR of 7.443% is inaccurate compared to the actual APR 6.999% at consummation, Please provide remediation under: TILA Section 130(b) Correction – Without Restitution.~~~~~~PCCD, LOE, and proof of mailing. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/07/2026<br>| Resolved-\*\*\*Received corrected PCCD. - Due Diligence Vendor-01/08/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.96% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.19 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | post closing cd (002).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857461 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-02 04:53 | 2026-01-02 04:53 | Resolved | 1 - Information C A | Credit | Eligibility | Residual Income Does Not Meet Guideline Requirements | Resolved-Final qualifying income exceeds minimum residual income requirement- Due Diligence Vendor 02/20/2026 Waived-Client exception granted with compensating factors. Waived-Client exception granted with compensating factors. BORROWER DID NOT MEET THE RESIDUAL INCOME REQUIREMENT OF $2500 WHEN DTI>43%. CURRENT RESIDUAL INCOME IS $2,131.92. - Due Diligence Vendor-01/02/2026 |  | Resolved-Final qualifying income exceeds minimum residual income requirement- Due Diligence Vendor 02/20/2026 Waived-Client exception granted with compensating factors. BORROWER DID NOT MEET THE RESIDUAL INCOME REQUIREMENT OF $2500 WHEN DTI>43%. CURRENT RESIDUAL INCOME IS $2,131.92. - Due Diligence Vendor-01/02/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.96% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.19 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | LTV BELOW 45%; BORROWER'S FICO SCORE IS 100+ POINTS ABOVE MINIMUM REQUIRED BY THE PROGRAM |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 857461 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-02 04:52 | 2026-01-02 04:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted with compensating factors to qualify the loan with outdated guideline version dated 11/17 (Loan closed xxxxxx). Qualifying DTI of 49.69% exceeded more recent guideline version maximum for loan program. - Due Diligence Vendor-01/02/2026 |  | Waived-Client exception granted with compensating factors to qualify the loan with outdated guideline version dated 11/17 (Loan closed xxxxxx). Qualifying DTI of 49.69% exceeded more recent guideline version maximum for loan program. - Due Diligence Vendor-01/02/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44.96% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.19 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | LTV BELOW 45%; BORROWER'S FICO SCORE IS 100+ POINTS ABOVE MINIMUM REQUIRED BY THE PROGRAM |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 857462 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857464 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857467 | xxxxxx | D A | Closed | xxxxxx | 2026-01-02 11:22 | 2026-01-07 09:19 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. - Seller-01/06/2026 <br>Open-Appraisal is Missing . Provide full appraisal completed to support the subject property purchase price. Subject to additional condition once received and reviewed. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-01/07/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 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 0.12 |  | CCA_OTHER APPRAISAL REVIEW.pdf<br>APPRAISAL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857468 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-08 14:17 | 2026-01-16 08:30 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Enhanced Desk review provided - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-Fraud report was provided however condition is for 3rd Party Valuation - Provide Enhanced desk review (ARR, CDA, etc.) from xxxxxx-approved xxxxxx required for all loans or In lieu of desk review, field review or second appraisal allowed. At the time of review only the appraisal was provided. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-. Provide Enhanced desk review (ARR, CDA, etc.) from xxxxxx-approved xxxxxx required for all loans or In lieu of desk review, field review or second appraisal allowed. At the time of review only the appraisal was provided. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Enhanced Desk review provided - Due Diligence Vendor-01/16/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.63 Are Greater Than The Guideline Minimum Of 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 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | ADV-120 REPORT - xxxxxx.pdf<br> CCA_OTHER APPRAISAL REVIEW.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857468 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-08 06:06 | 2026-01-08 14:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client exception granted with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% dup - Due Diligence Vendor-01/08/2026 |  | Waived-Client exception granted with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% dup - Due Diligence Vendor-01/08/2026<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 0.2<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.63 Are Greater Than The Guideline Minimum Of 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 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857468 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-08 06:06 | 2026-01-08 14:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client exception granted with compensating factors. Audited HCLTV of 80% exceeds Guideline HCLTV of 75% dup - Due Diligence Vendor-01/08/2026 |  | Waived-Client exception granted with compensating factors. Audited HCLTV of 80% exceeds Guideline HCLTV of 75% dup - Due Diligence Vendor-01/08/2026<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 0.2<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.63 Are Greater Than The Guideline Minimum Of 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 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857468 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-08 06:06 | 2026-01-08 06:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% MAX LTV FOR A BORROWER LIVING RENT-FREE IS 75%. 80% LTV IS REQUESTED<br> - Due Diligence Vendor-01/08/2026 |  | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% MAX LTV FOR A BORROWER LIVING RENT-FREE IS 75%. 80% LTV IS REQUESTED<br> - Due Diligence Vendor-01/08/2026<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 0.2<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.63 Are Greater Than The Guideline Minimum Of 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 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1) 763 FICO; 2) 0X30X16 HOUSING HISTORY |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857468 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-08 06:06 | 2026-01-08 06:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client exception granted with compensating factors. Audited DTI of 43.05% exceeds Guideline DTI of 43% MAX DTI IS 43% AND THE CURRENT DTI IS 43.053% - Due Diligence Vendor-01/08/2026 |  | Waived-Client exception granted with compensating factors. Audited DTI of 43.05% exceeds Guideline DTI of 43% MAX DTI IS 43% AND THE CURRENT DTI IS 43.053% - Due Diligence Vendor-01/08/2026<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 0.2<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.63 Are Greater Than The Guideline Minimum Of 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 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1) 763 FICO; 2) 0X30X16 HOUSING HISTORY |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857469 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857470 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857471 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857472 | xxxxxx | B A | Closed | xxxxxx | 2026-01-12 10:03 | 2026-01-13 16:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-1008/Underwriting Summary Partially Provided . Provide corrected 1008 to match the final 1003 and income WS for income. 1008 reflects $$6,639.42 and final 1003 and income WS reflect $7,824.87 - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.04 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 27.86% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.48% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Borrower 1 Has Stable Job Time 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> Borrower 1 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 |  | DD 1003.pdf<br>FINAL - 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857472 | xxxxxx | B A | Closed | xxxxxx | 2026-01-12 06:39 | 2026-01-12 10:04 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Missing | Waived-Client exception granted with compensating factors. 1) BORROWER'S MOST RECENT ITIN LETTER IS EXPIRED & FORM W-7 WAS PROVIDED FOR PROOF OF ITIN RENEWAL - Due Diligence Vendor-01/12/2026 |  | Waived-Client exception granted with compensating factors. 1) BORROWER'S MOST RECENT ITIN LETTER IS EXPIRED & FORM W-7 WAS PROVIDED FOR PROOF OF ITIN RENEWAL - Due Diligence Vendor-01/12/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.04 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 27.86% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.48% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Borrower 1 Has Stable Job Time 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> Borrower 1 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 | 1) 43.48% LTV; 2) 27.42% DTI |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857474 | xxxxxx | B A | Closed | xxxxxx | 2025-12-18 13:25 | 2025-12-19 05:03 | Waived | 2 - Non-Material B | Credit | Income | Potential Employment/income Issues identified in the file | Waived-Client exception granted with compensating factors. Exception to waive supporting P&L and CPA letter to utilize a reducted 40% expense ratio over the default 50% ratio. - Due Diligence Vendor-12/18/2025 |  | Waived-Client exception granted with compensating factors. Exception to waive supporting P&L and CPA letter to utilize a reducted 40% expense ratio over the default 50% ratio. - Due Diligence Vendor-12/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.01 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 19.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Residual income of $7,651.82. <br> Debt ratio of 18.814%. <br> Housing ratio of 18.103%. <br> Reserves exceed minimum required by 61.97 months. <br> Borrower exceeds minimum credit score requirement by 58 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857474 | xxxxxx | B A | Closed | xxxxxx | 2025-12-18 13:22 | 2025-12-19 05:02 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Client exception granted with compensating factors. CLIENT EXCEPTION GRANTED WITH COMPENSATING FACTORS FOR DECLINING PROPERTY VALUES. <br> PER APPRAISER, THE DECLINING VALUATIONS WITHIN THE SUBJECT MARKET AREA ARE BEING CAUSED BY AN OVERALL REAL ESTATE COOL <br> DOWN, SEASONALITY, THE CURRENT STATUS OF INTEREST RATES, AND AN OVERALL ADJUSTMENT TO PRIOR OVER-INFLATED SALES PRICES. - Due Diligence Vendor-02/12/2026 |  | Waived-Client exception granted with compensating factors. CLIENT EXCEPTION GRANTED WITH COMPENSATING FACTORS FOR DECLINING PROPERTY VALUES. <br> PER APPRAISER, THE DECLINING VALUATIONS WITHIN THE SUBJECT MARKET AREA ARE BEING CAUSED BY AN OVERALL REAL ESTATE COOL <br> DOWN, SEASONALITY, THE CURRENT STATUS OF INTEREST RATES, AND AN OVERALL ADJUSTMENT TO PRIOR OVER-INFLATED SALES PRICES. - Due Diligence Vendor-02/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.01 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 19.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Residual income of $7,651.82. <br> Debt ratio of 18.814%. <br> Housing ratio of 18.103%. <br> Reserves exceed minimum required by 61.97 months. <br> Borrower exceeds minimum credit score requirement by 58 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857474 | xxxxxx | B A | Closed | xxxxxx | 2025-12-18 13:23 | 2025-12-19 05:02 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Missing | Waived-Client exception granted with compensating factors. EXCEPTION APPROVAL REQUIRED <br> GUIDELINES REQUIRE COMPLETE IDENTIFICATION DOCUMENTS SUCH AS ITIN LETTER AND DRIVER LICENSE + NO 2ND PAGE ITIN LETTERS AND <br> DRIVER LICENSES FOR BOTH BORROWERS AND THE USE OF FORM W7 IN LIEU OF ITIN RENEWAL. - Due Diligence Vendor-12/18/2025 |  | Waived-Client exception granted with compensating factors. EXCEPTION APPROVAL REQUIRED <br> GUIDELINES REQUIRE COMPLETE IDENTIFICATION DOCUMENTS SUCH AS ITIN LETTER AND DRIVER LICENSE + NO 2ND PAGE ITIN LETTERS AND <br> DRIVER LICENSES FOR BOTH BORROWERS AND THE USE OF FORM W7 IN LIEU OF ITIN RENEWAL. - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.01 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 19.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Residual income of $7,651.82. <br> Debt ratio of 18.814%. <br> Housing ratio of 18.103%. <br> Reserves exceed minimum required by 61.97 months. <br> Borrower exceeds minimum credit score requirement by 58 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857474 | xxxxxx | B A | Closed | xxxxxx | 2025-12-18 13:25 | 2025-12-19 05:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client exception granted with compensating factors. EXCEPTION APPROVAL REQUIRED <br> GUIDELINES REQUIRE MAX 1X30X12 ON CONSUMER DEBTS. BORROWERS HAVE 3X30X12 FROM xxxxxx ACCOUNT - Due Diligence Vendor-12/18/2025 |  | Waived-Client exception granted with compensating factors. EXCEPTION APPROVAL REQUIRED <br> GUIDELINES REQUIRE MAX 1X30X12 ON CONSUMER DEBTS. BORROWERS HAVE 3X30X12 FROM xxxxxx ACCOUNT - Due Diligence Vendor-12/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.01 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 19.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Residual income of $7,651.82. <br> Debt ratio of 18.814%. <br> Housing ratio of 18.103%. <br> Reserves exceed minimum required by 61.97 months. <br> Borrower exceeds minimum credit score requirement by 58 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857474 | xxxxxx | B A | Closed | xxxxxx | 2025-12-18 13:20 | 2025-12-19 05:00 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Client exception granted with compensating factors. EXCEPTION APPROVAL IS REQUIRED TO USE 11/3/2025 INCOME GUIDELINE WHICH HAS A 90 DAY EXPIRATION PERIOD FOR INCOME. <br> GUIDELINES REQUIRE INCOME DOCUMENTS TO USE WITHIN 60 DAYS PERIOD BASED ON THE LAST DATE ON INCOME BANK STATEMENT. - Due Diligence Vendor-12/18/2025 |  | Waived-Client exception granted with compensating factors. EXCEPTION APPROVAL IS REQUIRED TO USE 11/3/2025 INCOME GUIDELINE WHICH HAS A 90 DAY EXPIRATION PERIOD FOR INCOME. <br> GUIDELINES REQUIRE INCOME DOCUMENTS TO USE WITHIN 60 DAYS PERIOD BASED ON THE LAST DATE ON INCOME BANK STATEMENT. - Due Diligence Vendor-12/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.01 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 19.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Residual income of $7,651.82. <br> Debt ratio of 18.814%. <br> Housing ratio of 18.103%. <br> Reserves exceed minimum required by 61.97 months. <br> Borrower exceeds minimum credit score requirement by 58 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857474 | xxxxxx | B A | Closed | xxxxxx | 2025-12-18 13:21 | 2025-12-19 05:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 70% EXCEPTION APPROVAL TO RETAIN LTV AT 80%. <br> GUIDELINES REQUIRE FTHB WITH MAX 70% LTV. - Due Diligence Vendor-12/18/2025 |  | Waived-Client exception granted with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 70% EXCEPTION APPROVAL TO RETAIN LTV AT 80%. <br> GUIDELINES REQUIRE FTHB WITH MAX 70% LTV. - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.01 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 19.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Residual income of $7,651.82. <br> Debt ratio of 18.814%. <br> Housing ratio of 18.103%. <br> Reserves exceed minimum required by 61.97 months. <br> Borrower exceeds minimum credit score requirement by 58 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857477 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857478 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-11 21:52 | 2026-02-11 21:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Client exception granted with compensating factors. Client exception granted with compensating factors to allow 1x60x12 mortgage history. - Due Diligence Vendor-02/12/2026 <br>Open-Borrower has 1x60x12 mortgage payment history which exceeds the guideline requirement of 0x60x12. - Due Diligence Vendor-02/12/2026 |  | Waived-Client exception granted with compensating factors. Client exception granted with compensating factors to allow 1x60x12 mortgage history. - Due Diligence Vendor-02/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 Years | 1. DTI is 32.995%<br> 2. Payment shock is 125.406%<br> 3. Residual income is $8,714.63<br> 4. Post-closing reserve is 40.78 months, program requires 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 857478 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-26 04:40 | 2025-11-26 04:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted with compensating factors. 6 overdrafts exceeded the max allowed of 3 in the most recent 12-month time period - Due Diligence Vendor-11/26/2025 |  | Waived-Client exception granted with compensating factors. 6 overdrafts exceeded the max allowed of 3 in the most recent 12-month time period - Due Diligence Vendor-11/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 Years | 1. DTI is 32.995%<br> 2. Payment shock is 125.406%<br> 3. Residual income is $8,714.63<br> 4. Post-closing reserve is 40.78 months, program requires 3 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 857481 | xxxxxx | D A | Closed | xxxxxx | 2026-01-02 18:25 | 2026-01-12 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided - (xxxxxx - per Web search this property is not located in a HOA) - Due Diligence Vendor-01/12/2026 <br> Ready for Review-There is no HOA this is not a condo - Seller-01/12/2026 <br> Counter-HOI received but still missing HOA documentation for all properties including primary. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/07/2026 <br> Open-Missing HOI for xxxxxx xxxxxx and HOA information for all properties including primary. - Due Diligence Vendor-01/02/2026 | Ready for Review-There is no HOA this is not a condo - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026<br>| Resolved-HOI Policy provided - (xxxxxx - per Web search this property is not located in a HOA) - Due Diligence Vendor-01/12/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 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 4.02% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 138.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.54 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.54 Years |  | HOI xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857493 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-08 15:08 | 2026-01-11 09:15 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower Identification Documentation Missing | Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: GUIDELINES REQUIRE FOR ITIN BORROWER TO PROVIDE VALID xxxxxx GOVERNMENT PHOTO ID, PASSPORT AND ITIN LETTER. EXCEPTION TO PROCEED WITHOUT VALID PASSPORT. <br> - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. - Seller-01/09/2026 <br> Open-. Provide Unexpired passport from country of origin as required per guidelines on ITIN loans. UW notes mention an exception being needed to continue without said ID however no exception was provided. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Waived-Client exception granted with compensating factors. Exception granted with supporting comp factors: GUIDELINES REQUIRE FOR ITIN BORROWER TO PROVIDE VALID xxxxxx GOVERNMENT PHOTO ID, PASSPORT AND ITIN LETTER. EXCEPTION TO PROCEED WITHOUT VALID PASSPORT. <br> - Due Diligence Vendor-01/11/2026 | 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 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 19.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.48% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.93 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 | DTI <38%, <br> LTV < 53% | EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 857498 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857569 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857571 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857586 | xxxxxx | D A | Closed | xxxxxx | 2026-01-26 19:05 | 2026-01-30 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. Please see attached UDM. - Due Diligence Vendor-01/30/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Per Guidelines : A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. - Due Diligence Vendor-01/27/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/30/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.09 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 55.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 6.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 18.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 63.49% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 857586_xxxxxx_UDM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857701 | xxxxxx | C A | Closed | xxxxxx | 2026-01-27 17:12 | 2026-01-30 08:06 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Final SS and Post Consummation CD showing the loan disbursement date on xxxxxx. xxxxxx - Seller-01/29/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxxxxx.Please provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Final SS and Post Consummation CD showing the loan disbursement date on xxxxxx. xxxxxx - Seller-01/29/2026 | Resolved-Received PCCD - Due Diligence Vendor-01/30/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.90 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 109.19 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.17% 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 783 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857705 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857734 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857736 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857789 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-27 10:14 | 2026-02-03 07:57 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provdied - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached CDA. xxxxxx, - Due Diligence Vendor-02/03/2026 <br>Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/27/2026 |  | Resolved-Desk review provdied - Due Diligence Vendor-02/03/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.33 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.62% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 55.62% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 30.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 3.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 857789_xxxxxx_RDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857789 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-23 08:52 | 2026-01-28 13:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received revised LE and initial CD - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. Please see Initial CD. - Due Diligence Vendor-01/28/2026 <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-01/23/2026 |  | Resolved-\*\*\*Received revised LE and initial CD - Due Diligence Vendor-01/28/2026<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 - 14.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.33 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.62% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 55.62% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 30.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 3.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review857789_xxxxxx_1_27_2026_33018_PM.zip<br> 857789_xxxxxx_initial_CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857789 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-23 08:49 | 2026-01-28 13:13 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*Received Revised LE and Initial CD - Due Diligence Vendor-01/28/2026 <br> Resolved- - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Tracking. - Due Diligence Vendor-01/28/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/23/2026 |  | Resolved-\*\*Received Revised LE and Initial CD - Due Diligence Vendor-01/28/2026<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 - 14.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.33 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.62% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 55.62% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 30.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 3.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review857789_xxxxxx_1_27_2026_33125_PM.zip<br> Full Review857789_xxxxxx_1_27_2026_33318_PM.zip<br> 857789_xxxxxx_tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857862 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857904 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857999 | xxxxxx | D A | Closed | xxxxxx | 2026-01-26 04:25 | 2026-02-03 07:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. UDN has been uploaded - Due Diligence Vendor-02/03/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/26/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 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 0.03<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 - 13.17 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.16 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.39% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | 857999_xxxxxx_UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858010 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 12:44 | 2026-01-30 14:40 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. Please see attached CDA. - Due Diligence Vendor-01/30/2026 <br>Open-3rd Party Valuation Product is Required and Missing CDA. Loan file reflect CU & LCA, however, due to appraisal type, not scored. - Due Diligence Vendor-01/27/2026 |  | Resolved-desk review provided - Due Diligence Vendor-01/30/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.04 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.04 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 705 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 705 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 858010_xxxxxx_CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858015 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858026 | xxxxxx | C A | Closed | xxxxxx | 2026-01-20 00:20 | 2026-01-23 14:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.03 are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the cash to close is $33,247.33<br>Borrower fund available= $45530.67+$35,000 (gift fund)= $80,530.67<br>Reserve required 4 month P&I= 4\*9197= $36788<br>Fund left after closing and reserve= $80,530.67-$33,247.33- $36788= $10,495.34<br>Borrower has enough fund to close and reserve. Please waive this condition.<br>- Seller-01/22/2026 <br> Open-Audited Reserves of 3.16 are less than Guideline Required Reserves of 4 Total Reserve Amount Shortage<br> -$9,560.19<br>- Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the cash to close is $33,247.33<br>Borrower fund available= $45530.67+$35,000 (gift fund)= $80,530.67<br>Reserve required 4 month P&I= 4\*9197= $36788<br>Fund left after closing and reserve= $80,530.67-$33,247.33- $36788= $10,495.34<br>Borrower has enough fund to close and reserve. Please waive this condition.<br>- Seller-01/22/2026<br>| Resolved-Audited Reserves of 4.03 are greater than or equal to Guideline Required Reserves of 4 - Due Diligence Vendor-01/23/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858033 | xxxxxx | C A | Closed | xxxxxx | 2026-01-26 11:11 | 2026-01-27 09:39 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. The original Credit report is included on the CP. xxxxxx - Seller-01/26/2026 <br> Open-Borrower 1 Credit Report is Partially Present. Application date is xxxxxx. Original credit report dated 12/4/2025 is missing from the file. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. The original Credit report is included on the CP. xxxxxx - Seller-01/26/2026<br>| Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.58% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.91 Years |  | xxxxxx Merged Credit Report Repo_2026_01_26_@10_10_30.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858057 | xxxxxx | D A | Closed | xxxxxx | 2026-01-30 11:08 | 2026-02-03 07:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached UDN. - Due Diligence Vendor-02/02/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Gap report within 30 days needed. - Due Diligence Vendor-01/30/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/03/2026<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 0.19<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.28 Years<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 680 By Twenty (20) or More Points |  | 858057_xxxxxx_UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858178 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858252 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858253 | xxxxxx | D A | Closed | xxxxxx | 2026-01-07 02:16 | 2026-01-27 16:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Document Uploaded. - Due Diligence Vendor-01/27/2026 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Open-Title Document is missing The title document is missing from the file. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/07/2026<br>| Resolved-Document Uploaded. - Due Diligence Vendor-01/27/2026 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-01/10/2026<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 - 20.30 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 29.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 9.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.29 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 69.33% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | PRELIM TITLE REPORT - 2026-01-07T1xxxxxx.pdf<br> PRELIM TITLE REPORT - 2026-01-07Txxxxxx.pdf<br> FINAL SETTLEMENT SHEET HUD-1 (51).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858255 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-12 09:49 | 2026-02-12 09:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted with compensating factors. to allow subject property in xxxxxx zoning. Appraisal confirms property can be rebuilt under current zoning. - Due Diligence Vendor-02/12/2026 <br> Open-Subject property is located is xxxxxx zoning and is unallowable per credit guidelines. - Due Diligence Vendor-02/12/2026 |  | Waived-Client exception granted with compensating factors. to allow subject property in xxxxxx zoning. Appraisal confirms property can be rebuilt under current zoning. - Due Diligence Vendor-02/12/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | Reduction in housing payment by 10%+<br> 5+ years business ownership<br> high residual income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | Originator Pre-Close | Yes | xxxxxx |
| 858255 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-10 06:29 | 2026-01-13 17:44 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Exception COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($816.25). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $816.25. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of 816.25is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/10/2026 <br>Open- - Due Diligence Vendor-01/10/2026 <br>Open- - Due Diligence Vendor-01/10/2026 <br>Open- - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Exception COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-01/13/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.84% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (89).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 858258 | xxxxxx | C A | Closed | xxxxxx | 2026-01-12 08:47 | 2026-01-13 16:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received corrected PCCD. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. E-recording fee is a title fee and not a recording fee. Fixed on post CD - Seller-01/12/2026 <br>Open-\*\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $50. Final charges to borrower $59.50 . 10% tolerance cure in the amount of $4.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/12/2026 <br>Open- - Due Diligence Vendor-01/12/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/12/2026 <br>Open- - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. E-recording fee is a title fee and not a recording fee. Fixed on post CD - Seller-01/12/2026<br>| Resolved-\*\*Received corrected PCCD. - Due Diligence Vendor-01/13/2026<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 0.05<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 - 17.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 26.3 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 - Validated Calculated DTI Of 38.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | post CD xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858258 | xxxxxx | C A | Closed | xxxxxx | 2026-01-12 08:47 | 2026-01-13 16:02 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received corrected PCCD. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. E-recording fee is a title fee and not a recording fee. Fixed on post CD - Seller-01/12/2026 <br>Open-\*\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $50. Final charges to borrower $59.50 . 10% tolerance cure in the amount of $4.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/12/2026 <br>Open- - Due Diligence Vendor-01/12/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/12/2026 <br>Open- - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. E-recording fee is a title fee and not a recording fee. Fixed on post CD - Seller-01/12/2026<br>| Resolved-\*\*Received corrected PCCD. - Due Diligence Vendor-01/13/2026<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 0.05<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 - 17.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 26.3 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 - Validated Calculated DTI Of 38.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | post CD xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858258 | xxxxxx | C A | Closed | xxxxxx | 2026-01-12 08:47 | 2026-01-13 16:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*Received corrected PCCD. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. E-recording fee is a title fee and not a recording fee. Fixed on post CD - Seller-01/12/2026 <br>Open-\*\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $50. Final charges to borrower $59.50 . 10% tolerance cure in the amount of $4.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/12/2026 <br>Open- - Due Diligence Vendor-01/12/2026 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($59.50) exceed the comparable charges ($50.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-01/12/2026 <br>Open- - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. E-recording fee is a title fee and not a recording fee. Fixed on post CD - Seller-01/12/2026<br>| Resolved-\*\*Received corrected PCCD. - Due Diligence Vendor-01/13/2026<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 0.05<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 - 17.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 26.3 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 - Validated Calculated DTI Of 38.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | post CD xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858260 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858261 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858262 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858263 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 |  |  |  |
| 858264 | xxxxxx | C A | Closed | xxxxxx | 2025-12-10 23:38 | 2025-12-12 11:46 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/12/2025 <br>Resolved- - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/11/2025 <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($14,175.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($16,200.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\* The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $2,025. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $2,025 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.92 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 0.07<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 |  | CIC_COC CHANGE OF CIRCUMSTANCE (80).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858266 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858269 | xxxxxx | B A | Closed | xxxxxx | 2025-12-16 11:03 | 2025-12-16 11:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted with compensating factors. Audited Reserves of 6.17 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-12/16/2025 |  | Waived-Client exception granted with compensating factors. Audited Reserves of 6.17 are less than Guideline Required Reserves of 12 - Due Diligence Vendor-12/16/2025 | 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 - 5.95 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 24.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | FICO 20+ points<br> DTI 5% below max<br> 5+ years in subject property |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858272 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-12 13:30 | 2026-01-15 10:16 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Desk review provided - Due Diligence Vendor-01/15/2026<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 0.0<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.04 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.23% 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 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 82512060 xxxxxx_RDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858272 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-10 00:33 | 2026-01-13 17:48 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event detail (Lock) received, data entered, no additional compliance findings. - Due Diligence Vendor-01/13/2026 <br>Resolved- - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,160.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $1160.. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of 1160 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/10/2026 <br>Open- - Due Diligence Vendor-01/10/2026 <br>Open- - Due Diligence Vendor-01/10/2026 <br>Open- - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-COC event detail (Lock) received, data entered, no additional compliance findings. - Due Diligence Vendor-01/13/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.04 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.23% 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 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | CIC_COC CHANGE OF CIRCUMSTANCE (88).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858274 | xxxxxx | D A | Closed | xxxxxx | 2025-12-09 09:17 | 2025-12-15 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. - Seller-12/12/2025 <br>Counter-Document Uploaded. xxxxxx for the confusion, Missing Final HUD/SS/CD for the sale of a property which is reflected in the Final 1003 - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Please be more speific to which account is missing - Seller-12/11/2025 <br>Open-Asset 2 Missing - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025 <br>Ready for Review-Please be more speific to which account is missing - Seller-12/11/2025<br>| Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.02 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.42 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.43% 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 718 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Screenshot 2025-12-12 135036.jpg<br>FUNDS AT CLOSING (6).pdf<br>FUNDS AT CLOSING (6).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858278 | xxxxxx | D A | Closed | xxxxxx | 2026-01-07 23:33 | 2026-01-09 18:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Attached is business tax cert reflecting name of the business and reflects business start date as xxxxxx - Seller-01/09/2026 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter or other documentation showing 2 year business ownership. License in file only extends back to 2/2025. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Attached is business tax cert reflecting name of the business and reflects business start date as xxxxxx - Seller-01/09/2026 | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-01/09/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | BUSINESS LICENSE (1) (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858279 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858280 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858281 | xxxxxx | C A | Closed | xxxxxx | 2026-01-15 04:46 | 2026-01-18 12:19 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-01/18/2026 <br> Ready for Review-Document Uploaded. Policy has 25% extended coverage - Seller-01/16/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxxx Missing evidence of sufficient hazard insurance OR satisfactory RCE. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Policy has 25% extended coverage - Seller-01/16/2026<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-01/18/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.51% 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 104.98 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.08 Years |  | UPDATED HAZARD INSURANCE - 2026-01-16T143240.677.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858282 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858283 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858286 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858294 | xxxxxx | B A | Closed | xxxxxx | 2025-12-16 02:42 | 2025-12-16 14:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client exception granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception for rural property. - Due Diligence Vendor-12/16/2025 |  | Waived-Client exception granted with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception for rural property. - Due Diligence Vendor-12/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.61 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | DTI 5% below max<br>5+ years in subject property |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858295 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858296 | xxxxxx | D A B | Closed | xxxxxx | 2026-01-10 22:49 | 2026-01-13 13:37 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved- - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Counter-1008 that was provided reflects the borrowers Primary PITIA however the UW notes & Documentation in file reflect the bwr now rents - VOR @ CURRENT RES \*\*SOLD PRIMARY RESIDENCE xxxxxx - CURRENTLY RENT which decreased the Housing and DTI ratios from 7.151%/24.716% to Audited Housing & DTI ratios of 3.77%/21.34% - Updated 1008 reflecting these changes is needed. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Open-1008/Underwriting Summary Not Provided 1008 UW transmittal Summary Missing - Due Diligence Vendor-01/11/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 33.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 21.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 719 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | transmittal_19_pdf (70).pdf<br>1008 (8).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858296 | xxxxxx | D A B | Closed | xxxxxx | 2026-01-11 09:07 | 2026-01-12 14:27 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Other Rider is Missing | Resolved-Executed Assignment of Rents and Leases rider provided - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-Fully Executed Assignment of Rents and Leases is missing - Due Diligence Vendor-01/11/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Executed Assignment of Rents and Leases rider provided - Due Diligence Vendor-01/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 33.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 21.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 719 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | DEED OF TRUST_MORTGAGE RIDERS (5).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858301 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858302 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-12 17:38 | 2026-01-23 09:10 | Resolved | 1 - Information D A | Property | Missing Doc | Updated Completion Report (442/10040) is missing | Resolved-1004D Provided - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. SSR not required, since CDA is provided - Seller-01/22/2026 <br>Open- - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. SSR not required, since CDA is provided - Seller-01/22/2026<br>| Resolved-1004D Provided - Due Diligence Vendor-01/23/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 20.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.13 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 33.8 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.08 Years |  | 1004D_442 FINAL INSPECTION (1).pdf<br>AIR - COMPLIANCE CERT (1).pdf<br>APPRAISAL REVIEW (3).pdf<br>APPRAISAL (49).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858302 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-09 09:53 | 2026-01-10 12:05 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved- - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. - Seller-01/10/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/10/2026<br>|  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 20.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.13 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 33.8 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.08 Years |  | LQI CREDIT REPORT (4).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858303 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 858304 | xxxxxx | D A | Closed | xxxxxx | 2026-01-11 03:22 | 2026-01-12 14:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. master includes betterments and improvements is included, no H06 is not needed - Seller-01/12/2026 <br>Open-Missing HO-6 Master Insurance Policy The HO-6 Master Insurance Policy is missing from the file. - Due Diligence Vendor-01/11/2026 | Ready for Review-Document Uploaded. master includes betterments and improvements is included, no H06 is not needed - Seller-01/12/2026<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 39.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | EXISTING MASTER POLICY (12).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858307 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858310 | xxxxxx | B A | Closed | xxxxxx | 2025-12-11 17:30 | 2025-12-11 17:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client exception granted with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% Matrix - 70% LW, exception for LW @ 75% - Due Diligence Vendor-12/11/2025 |  | Waived-Client exception granted with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% Matrix - 70% LW, exception for LW @ 75% - Due Diligence Vendor-12/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 31.39% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 | FICO 20+ point DTI 5% below max <br> PITIA reserves above min by 6 months <br> 5+ years on job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 858312 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858313 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858314 | xxxxxx | D A | Closed | xxxxxx | 2026-01-08 10:02 | 2026-01-09 16:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/09/2026 <br>Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/09/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 26.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 801 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<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 - 27.84 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.84 Years |  | UPDATED MASTER POLICY (1).pdf<br>EXISTING MASTER POLICY (11).pdf<br>EXISTING HAZARD INSURANCE (52).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858315 | xxxxxx | C A | Closed | xxxxxx | 2026-01-09 02:29 | 2026-01-11 12:18 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026 <br> Resolved- - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. - Seller-01/09/2026 <br> Open-The following charges have been increased loan Amount (Points) resulting in a 0% tolerance cure in the amount of $1,795.39 Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1,795.39 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,795.39.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated 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 - Validated Months Reserves Of 12.18 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 29.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (12).pdf<br>CIC_COC CHANGE OF CIRCUMSTANCE (13).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858315 | xxxxxx | C A | Closed | xxxxxx | 2026-01-09 02:29 | 2026-01-11 12:18 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026 <br>Resolved- - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. - Seller-01/09/2026 <br>Open-The following charges have been increased loan Amount (Points) resulting in a 0% tolerance cure in the amount of $1,795.39 Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1,795.39 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated 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 - Validated Months Reserves Of 12.18 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 29.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (13).pdf<br>CIC_COC CHANGE OF CIRCUMSTANCE (12).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858315 | xxxxxx | C A | Closed | xxxxxx | 2026-01-09 02:29 | 2026-01-11 12:18 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026 <br>Resolved- - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. - Seller-01/09/2026 <br>Open-The following charges have been increased loan Amount (Points) resulting in a 0% tolerance cure in the amount of $1,795.39 Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1,795.39 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated 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 - Validated Months Reserves Of 12.18 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 29.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (12).pdf<br>CIC_COC CHANGE OF CIRCUMSTANCE (13).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858317 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858318 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-11 16:16 | 2026-02-11 16:16 | Waived | 2 - Non-Material C B | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Client exception granted with compensating factors. Client exception granted with compensating factors to allow 23 months SE history. - Due Diligence Vendor-02/11/2026 <br>Open-Borrower has 23 months of SE history and does not meet the minimum 24 month requirement. - Due Diligence Vendor-02/11/2026 |  | Waived-Client exception granted with compensating factors. Client exception granted with compensating factors to allow 23 months SE history. - Due Diligence Vendor-02/11/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.58 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.59% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | FICO 20+ point<br> PITIA reserves above min by 6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 858318 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-06 01:48 | 2025-12-12 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Open-Title Document is missing Missing title commitment - Due Diligence Vendor-12/06/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-12/12/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.58 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.59% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | PRELIM TITLE REPORT - 2025-12-10T1xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858319 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858320 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 858321 | xxxxxx | D A | Closed | xxxxxx | 2025-12-23 07:24 | 2025-12-30 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. I have attached and uploaded the business statement from Dec 2022 to confirm the business has been active and in existence for > 2 years. That should be sufficient. (It's the same bank account #, same business name, so it is considered as "reasonable evidence of business activity). - Seller-12/29/2025 <br> Counter-Business being used to source income must be in existence for a minimum of 2 years as evidenced by CPA letter, business license, 24 months+ bank statements or other reasonable evidence of business activity (used for recent VVOE) page 78 guidelines. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Borrower qualified under the ITIN 12 months bank statements doc type. Used guides dated 10/1/25 to qualify. <br>The business statements documented for the borrower's business confirms the borrower is a sole proprietor for xxxxxx. No additional documentation requested - Seller-12/26/2025 <br> Open-Borrower 1 CPA Letter Missing Provide a CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage in the business xxxxxx. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. I have attached and uploaded the business statement from Dec 2022 to confirm the business has been active and in existence for > 2 years. That should be sufficient. (It's the same bank account #, same business name, so it is considered as "reasonable evidence of business activity). - Seller-12/29/2025 <br> Ready for Review-Borrower qualified under the ITIN 12 months bank statements doc type. Used guides dated 10/1/25 to qualify. <br>The business statements documented for the borrower's business confirms the borrower is a sole proprietor for xxxxxx. No additional documentation requested - Seller-12/26/2025 | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/30/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 20.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 5.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.51 Years |  | Dec 2022 statement (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858321 | xxxxxx | D A | Closed | xxxxxx | 2025-12-23 07:24 | 2025-12-30 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/30/2025 <br> Resolved-Lender used borrower's invoices to verify employment. CPA letter for existence of company still remains - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. using business invoices for vvoe - Seller-12/24/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Verification of Employment for the Verify the Business Status of borrower's business xxxxxx. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. using business invoices for vvoe - Seller-12/24/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/30/2025 <br>Resolved-Lender used borrower's invoices to verify employment. CPA letter for existence of company still remains - Due Diligence Vendor-12/26/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 20.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 5.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 51.72% Is Below The Guideline Maximum Of 85% 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.51 Years |  | VOE - FINAL VERBAL (5).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858323 | xxxxxx | D A | Closed | xxxxxx | 2025-12-26 00:09 | 2025-12-30 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing the Lender's Income Worksheet (Bank Statement Calculator) <br> - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/30/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 27.42 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 24.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 39.3% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | UW Income Wksht (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 12:29 | 2026-01-08 07:10 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-01/08/2026 <br>Resolved-LE, CD,and SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Open-\*\*Lender to provide evidence of lender's application date, provide the missing Initial Loan Estimate issued within 3 business days of the application along with all initial disclosures. Missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Need evidence of rate lock and any revised LEs and/or CDs. These document is needed to complete compliance testing. - Due Diligence Vendor-12/30/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review <br> - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2026<br>| Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-01/08/2026 <br>Resolved-LE, CD,and SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-01/08/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | INITIAL - SIGNED (67).pdf<br>LE - REDISCLOSED LOAN ESTIMATE (71).pdf<br>CD - INITIAL CLOSING DISCLOSURE (70).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 12:23 | 2026-01-08 07:10 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-01/08/2026 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2026 <br>Open-\*\*Lender to provide evidence of lender's application date, provide the missing Initial Loan Estimate issued within 3 business days of the application along with all initial disclosures. Missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Need evidence of rate lock and any revised LEs and/or CDs. These document is needed to complete compliance testing. - Due Diligence Vendor-12/30/2025 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review. <br> - Due Diligence Vendor-12/29/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-01/08/2026 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 12:18 | 2026-01-08 07:10 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-01/08/2026 <br>Resolved-LE, CD,and SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Open-\*\*Lender to provide evidence of lender's application date, provide the missing Initial Loan Estimate issued within 3 business days of the application along with all initial disclosures. Missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Need evidence of rate lock and any revised LEs and/or CDs. These document is needed to complete compliance testing. - Due Diligence Vendor-12/30/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. <br> - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2026<br>| Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-01/08/2026 <br>Resolved-LE, CD,and SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-01/08/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | INITIAL - SIGNED (67).pdf<br>LE - REDISCLOSED LOAN ESTIMATE (71).pdf<br>CD - INITIAL CLOSING DISCLOSURE (70).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 12:17 | 2026-01-08 07:10 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-01/08/2026 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. - Seller-01/06/2026 <br>Open-\*\*Lender to provide evidence of lender's application date, provide the missing Initial Loan Estimate issued within 3 business days of the application along with all initial disclosures. Missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Need evidence of rate lock and any revised LEs and/or CDs. These document is needed to complete compliance testing. - Due Diligence Vendor-12/30/2025 <br>Open-Evidence of Rate Lock Missing 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-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-01/08/2026 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | LE - REDISCLOSED LOAN ESTIMATE (70).pdf<br>CIC_COC CHANGE OF CIRCUMSTANCE (86).pdf<br>LOCK CONFIRMATION (25).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 12:15 | 2026-01-08 07:10 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-01/08/2026 <br>Resolved-LE, CD,and SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Open-\*\*Lender to provide evidence of lender's application date, provide the missing Initial Loan Estimate issued within 3 business days of the application along with all initial disclosures. Missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Need evidence of rate lock and any revised LEs and/or CDs. These document is needed to complete compliance testing. - Due Diligence Vendor-12/30/2025 <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-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2026<br>| Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-01/08/2026 <br>Resolved-LE, CD,and SPL received, data entered, no additional compliance findings. - Due Diligence Vendor-01/08/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | INITIAL - SIGNED (67).pdf<br>LE - REDISCLOSED LOAN ESTIMATE (71).pdf<br>CD - INITIAL CLOSING DISCLOSURE (70).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 09:18 | 2026-01-07 13:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.58 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-01/07/2026 <br>Open-Audited Reserves of 1.75 are less than Guideline Required Reserves of 2 We do not have assets on file, will update reserves and funds to close when assets have been uploaded - Due Diligence Vendor-12/29/2025 |  | Resolved-Audited Reserves of 3.58 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 09:18 | 2026-01-07 13:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 726 is greater than or equal to Guideline FICO of 720 - Due Diligence Vendor-01/07/2026 <br>Open-Audited FICO of is less than Guideline FICO of 640 We do not know the client's fico without the credit report on file, so we cannot accurately determine if client FICO is within loan tolerance - Due Diligence Vendor-12/29/2025 |  | Resolved-Audited FICO of 726 is greater than or equal to Guideline FICO of 720 - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 09:18 | 2026-01-07 13:48 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 <br>Open-1008/Underwriting Summary Not Provided 1008 missing from file - Due Diligence Vendor-12/29/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 08:28 | 2026-01-07 13:47 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/07/2026 <br>Open-Appraisal is Missing No origination appraisal sent with upload package - Due Diligence Vendor-12/29/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 08:28 | 2026-01-07 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/07/2026 <br>Open-Purchase Contract Is Missing No purchase contract sent with upload package - Due Diligence Vendor-12/29/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 16:15 | 2026-01-07 13:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2026 <br>Open-The Initial 1003 is Missing initial 1003 is missing from file upload - Due Diligence Vendor-12/29/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-31 08:53 | 2026-01-07 13:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-LCA score provided. - Due Diligence Vendor-01/07/2026 <br>Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-12/31/2025 |  | Resolved-LCA score provided. - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 08:23 | 2026-01-07 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/07/2026 <br> Open-Title Document is missing Final Title Policy from xxxxxx Title not found on file - please provide full title policy for the transaction - Due Diligence Vendor-12/29/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 08:38 | 2026-01-07 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/07/2026 <br>Open-Missing Flood Certificate No flood cert sent with upload package - Due Diligence Vendor-12/29/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 08:40 | 2026-01-07 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/07/2026 <br>Open-Missing Third Party Fraud Report No third party fraud report sent with upload package - Due Diligence Vendor-12/29/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 08:48 | 2026-01-07 13:25 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/07/2026 <br>Open-Income 1 Months Income Verified is Missing No income documents sent with upload package - Due Diligence Vendor-12/29/2025 |  | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 08:48 | 2026-01-07 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/07/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing No voe sent with upload package - Due Diligence Vendor-12/29/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 16:09 | 2026-01-07 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/07/2026 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing No voe sent with upload package - Due Diligence Vendor-12/29/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 08:55 | 2026-01-07 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/07/2026 <br>Open-Borrower 2 Credit Report is Missing. No credit report sent with upload package - Due Diligence Vendor-12/29/2025 |  | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 08:55 | 2026-01-07 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/07/2026 <br>Open-Borrower 1 Credit Report is Missing. No credit report sent with upload package - Due Diligence Vendor-12/29/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 09:05 | 2026-01-07 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-01/07/2026 <br>Open-Asset 3 Missing All asset documentation missing from file - Due Diligence Vendor-12/29/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 09:05 | 2026-01-07 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-01/07/2026 <br>Open-Asset 2 Missing All asset documentation missing from file. - Due Diligence Vendor-12/29/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 09:05 | 2026-01-07 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-01/07/2026 <br>Open-Asset 1 Missing All asset documentation missing from file - Due Diligence Vendor-12/29/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 0% 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 42.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858326 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858327 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-12 12:41 | 2026-01-13 07:28 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Final HUD/SS provided - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Final CS - loan disbursed xxxxxx. No CD, because this is business purpose loan - Seller-01/12/2026 <br> Open-Borrower is concurrent loan on the property xxxxxx. Please provide closing disclosure. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Final CS - loan disbursed xxxxxx. No CD, because this is business purpose loan - Seller-01/12/2026 | Resolved-Final HUD/SS provided - Due Diligence Vendor-01/13/2026<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 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.88 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 208.88 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 - Validated Calculated DTI Of 15.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | FINAL SETTLEMENT SHEET HUD-1 (45).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858327 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-12 09:24 | 2026-01-13 07:26 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Final CS - loan disbursed xxxxxx. No CD, because this is business purpose loan - Seller-01/12/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx The hazard insurance effective date of xxxxxx is after the disbursement date of xxxxxx. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Final CS - loan disbursed xxxxxx. No CD, because this is business purpose loan - Seller-01/12/2026 | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/13/2026 | 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 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.88 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 208.88 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 - Validated Calculated DTI Of 15.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | FINAL SETTLEMENT SHEET HUD-1 (44).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858328 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858329 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858331 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858332 | xxxxxx | C A | Closed | xxxxxx | 2026-01-08 06:40 | 2026-01-11 11:50 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. - Seller-01/09/2026 <br> Open-The following charges have been either added or increased: Points(Loan Discount Fee) resulting in a 0% tolerance cure in the amount of $1470. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,470.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Revised LE dated xxxxxx reflects Points and discounts Fee $2100.00 however, Final CD dated xxxxxx reflects the Points and discounts Fee $3570.00The fee ($1470.00) has been increased for Points and discounts Fee which exceeds the 0% tolerance. Required valid COC or cure amount of $1470.00. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 703 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 - Validated Months Reserves Of 9.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.65 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 42.95% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (87).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858332 | xxxxxx | C A | Closed | xxxxxx | 2026-01-08 06:40 | 2026-01-11 11:50 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. - Seller-01/09/2026 <br>Open-The following charges have been either added or increased: Points(Loan Discount Fee) resulting in a 0% tolerance cure in the amount of $1470. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/08/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/08/2026 <br>Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 703 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 - Validated Months Reserves Of 9.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.65 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 42.95% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (87).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858332 | xxxxxx | C A | Closed | xxxxxx | 2026-01-08 06:40 | 2026-01-11 11:50 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026 <br>Ready for Review-Document Uploaded. - Seller-01/09/2026 <br>Open-The following charges have been either added or increased: Points(Loan Discount Fee) resulting in a 0% tolerance cure in the amount of $1470. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/09/2026 <br>Open- - Due Diligence Vendor-01/08/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/08/2026 <br>Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-\*\*Received COC - Due Diligence Vendor-01/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 703 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 - Validated Months Reserves Of 9.57 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.65 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 42.95% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | CIC_COC CHANGE OF CIRCUMSTANCE (87).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858333 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858334 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858346 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858351 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858624 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858732 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858734 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858878 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.11

**EXHIBIT 99.11**

**CANOPY RATING AGENCY GRADES SUMMARY REPORT**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 840062 | xxxxxx |  | xxxxxx C A |
| 840433 | xxxxxx |  | xxxxxx B C A |
| 841764 | xxxxxx |  | xxxxxx A C B |
| 842957 | xxxxxx |  | xxxxxx A |
| 842991 | xxxxxx |  | xxxxxx D A |
| 845402 | xxxxxx |  | xxxxxx A |
| 845924 | xxxxxx |  | xxxxxx A |
| 845982 | xxxxxx |  | xxxxxx D A |
| 846785 | xxxxxx |  | xxxxxx A |
| 847216 | xxxxxx |  | xxxxxx B A |
| 847714 | xxxxxx |  | xxxxxx D A B |
| 847729 | xxxxxx |  | xxxxxx C A |
| 848027 | xxxxxx |  | xxxxxx B A |
| 848143 | xxxxxx |  | xxxxxx A C |
| 848177 | xxxxxx |  | xxxxxx A |
| 848825 | xxxxxx |  | xxxxxx D A B |
| 848866 | xxxxxx |  | xxxxxx A |
| 849258 | xxxxxx |  | xxxxxx A |
| 849267 | xxxxxx |  | xxxxxx A |
| 849316 | xxxxxx |  | xxxxxx A |
| 849374 | xxxxxx |  | xxxxxx A |
| 849392 | xxxxxx |  | xxxxxx A |
| 849523 | xxxxxx |  | xxxxxx D A |
| 849532 | xxxxxx |  | xxxxxx A D |
| 849588 | xxxxxx |  | xxxxxx A |
| 849621 | xxxxxx |  | xxxxxx A D |
| 849676 | xxxxxx |  | xxxxxx A |
| 849691 | xxxxxx |  | xxxxxx A |
| 850095 | xxxxxx |  | xxxxxx A D |
| 850148 | xxxxxx |  | xxxxxx D A B |
| 850163 | xxxxxx |  | xxxxxx B A |
| 850214 | xxxxxx |  | xxxxxx A |
| 850237 | xxxxxx |  | xxxxxx A |
| 850254 | xxxxxx |  | xxxxxx D A C B |
| 850260 | xxxxxx |  | xxxxxx A |
| 850479 | xxxxxx |  | xxxxxx B D A |
| 850482 | xxxxxx |  | xxxxxx A |
| 850545 | xxxxxx |  | xxxxxx D A |
| 850591 | xxxxxx |  | xxxxxx D A |
| 850669 | xxxxxx |  | xxxxxx D A |
| 850680 | xxxxxx |  | xxxxxx D A |
| 850681 | xxxxxx |  | xxxxxx D A B |
| 850756 | xxxxxx |  | xxxxxx B D A |
| 850894 | xxxxxx |  | xxxxxx A |
| 850896 | xxxxxx |  | xxxxxx A |
| 850906 | xxxxxx |  | xxxxxx A |
| 850915 | xxxxxx |  | xxxxxx D A |
| 850946 | xxxxxx |  | xxxxxx B A |
| 850966 | xxxxxx |  | xxxxxx A |
| 851063 | xxxxxx |  | xxxxxx A |
| 851363 | xxxxxx |  | xxxxxx A |
| 851381 | xxxxxx |  | xxxxxx B A |
| 851436 | xxxxxx |  | xxxxxx B A |
| 851456 | xxxxxx |  | xxxxxx D A |
| 851462 | xxxxxx |  | xxxxxx C A B |
| 851477 | xxxxxx |  | xxxxxx A |
| 851497 | xxxxxx |  | xxxxxx D A |
| 851516 | xxxxxx |  | xxxxxx D C A |
| 851553 | xxxxxx |  | xxxxxx A |
| 851561 | xxxxxx |  | xxxxxx A |
| 851607 | xxxxxx |  | xxxxxx A |
| 851654 | xxxxxx |  | xxxxxx A |
| 851682 | xxxxxx |  | xxxxxx A |
| 851699 | xxxxxx |  | xxxxxx A D |
| 851718 | xxxxxx |  | xxxxxx B A |
| 851744 | xxxxxx |  | xxxxxx A |
| 851816 | xxxxxx |  | xxxxxx A |
| 851833 | xxxxxx |  | xxxxxx A |
| 851864 | xxxxxx |  | xxxxxx D C A |
| 851918 | xxxxxx |  | xxxxxx A |
| 852039 | xxxxxx |  | xxxxxx A |
| 852066 | xxxxxx |  | xxxxxx A |
| 852119 | xxxxxx |  | xxxxxx A |
| 852136 | xxxxxx |  | xxxxxx A |
| 852137 | xxxxxx |  | xxxxxx B A |
| 852145 | xxxxxx |  | xxxxxx A NA |
| 852189 | xxxxxx |  | xxxxxx A |
| 852194 | xxxxxx |  | xxxxxx B A |
| 852195 | xxxxxx |  | xxxxxx B A |
| 852219 | xxxxxx |  | xxxxxx B A |
| 852233 | xxxxxx |  | xxxxxx A |
| 852239 | xxxxxx |  | xxxxxx D NA |
| 852244 | xxxxxx |  | xxxxxx C A |
| 852281 | xxxxxx |  | xxxxxx D A |
| 852289 | xxxxxx |  | xxxxxx B A |
| 852297 | xxxxxx |  | xxxxxx A |
| 852366 | xxxxxx |  | xxxxxx A |
| 852428 | xxxxxx |  | xxxxxx A |
| 852442 | xxxxxx |  | xxxxxx D B A |
| 852475 | xxxxxx |  | xxxxxx A |
| 852480 | xxxxxx |  | xxxxxx B A |
| 852505 | xxxxxx |  | xxxxxx B A |
| 852553 | xxxxxx |  | xxxxxx C A |
| 852579 | xxxxxx |  | xxxxxx D A |
| 852581 | xxxxxx |  | xxxxxx A |
| 852607 | xxxxxx |  | xxxxxx A C B |
| 852613 | xxxxxx |  | xxxxxx A |
| 852647 | xxxxxx |  | xxxxxx B A C |
| 852648 | xxxxxx |  | xxxxxx B A |
| 852649 | xxxxxx |  | xxxxxx D A B |
| 852651 | xxxxxx |  | xxxxxx C A B |
| 852652 | xxxxxx |  | xxxxxx D A B |
| 852656 | xxxxxx |  | xxxxxx B A |
| 852661 | xxxxxx |  | xxxxxx B A |
| 852662 | xxxxxx |  | xxxxxx B A |
| 852664 | xxxxxx |  | xxxxxx A |
| 852669 | xxxxxx |  | xxxxxx A |
| 852671 | xxxxxx |  | xxxxxx A |
| 852688 | xxxxxx |  | xxxxxx A |
| 852703 | xxxxxx |  | xxxxxx A |
| 852753 | xxxxxx |  | xxxxxx A |
| 852767 | xxxxxx |  | xxxxxx A C |
| 852780 | xxxxxx |  | xxxxxx A |
| 852851 | xxxxxx |  | xxxxxx B A |
| 852876 | xxxxxx |  | xxxxxx A |
| 852886 | xxxxxx |  | xxxxxx C D B A |
| 852897 | xxxxxx |  | xxxxxx A |
| 852916 | xxxxxx |  | xxxxxx A NA C |
| 852920 | xxxxxx |  | xxxxxx A |
| 852935 | xxxxxx |  | xxxxxx A |
| 852945 | xxxxxx |  | xxxxxx A |
| 852989 | xxxxxx |  | xxxxxx A |
| 852990 | xxxxxx |  | xxxxxx A |
| 852991 | xxxxxx |  | xxxxxx D A |
| 852993 | xxxxxx |  | xxxxxx D A |
| 852994 | xxxxxx |  | xxxxxx A |
| 852995 | xxxxxx |  | xxxxxx A |
| 852998 | xxxxxx |  | xxxxxx A |
| 853001 | xxxxxx |  | xxxxxx D A |
| 853002 | xxxxxx |  | xxxxxx D A |
| 853003 | xxxxxx |  | xxxxxx A |
| 853006 | xxxxxx |  | xxxxxx B A |
| 853009 | xxxxxx |  | xxxxxx C A |
| 853011 | xxxxxx |  | xxxxxx B A |
| 853013 | xxxxxx |  | xxxxxx A |
| 853020 | xxxxxx |  | xxxxxx A |
| 853024 | xxxxxx |  | xxxxxx A |
| 853027 | xxxxxx |  | xxxxxx B NA |
| 853030 | xxxxxx |  | xxxxxx A |
| 853036 | xxxxxx |  | xxxxxx A |
| 853037 | xxxxxx |  | xxxxxx A |
| 853039 | xxxxxx |  | xxxxxx A D |
| 853048 | xxxxxx |  | xxxxxx A |
| 853057 | xxxxxx |  | xxxxxx A |
| 853059 | xxxxxx |  | xxxxxx D A |
| 853060 | xxxxxx |  | xxxxxx A |
| 853064 | xxxxxx |  | xxxxxx A C |
| 853068 | xxxxxx |  | xxxxxx B A |
| 853069 | xxxxxx |  | xxxxxx A |
| 853071 | xxxxxx |  | xxxxxx B A |
| 853072 | xxxxxx |  | xxxxxx A |
| 853073 | xxxxxx |  | xxxxxx B A |
| 853074 | xxxxxx |  | xxxxxx A D |
| 853077 | xxxxxx |  | xxxxxx D A |
| 853090 | xxxxxx |  | xxxxxx D A B |
| 853121 | xxxxxx |  | xxxxxx A |
| 853126 | xxxxxx |  | xxxxxx A |
| 853218 | xxxxxx |  | xxxxxx A |
| 853293 | xxxxxx |  | xxxxxx D NA |
| 853307 | xxxxxx |  | xxxxxx D A |
| 853340 | xxxxxx |  | xxxxxx A |
| 853343 | xxxxxx |  | xxxxxx B A |
| 853377 | xxxxxx |  | xxxxxx D A C |
| 853379 | xxxxxx |  | xxxxxx B A |
| 853385 | xxxxxx |  | xxxxxx C A |
| 853432 | xxxxxx |  | xxxxxx A |
| 853434 | xxxxxx |  | xxxxxx A |
| 853437 | xxxxxx |  | xxxxxx D A |
| 853459 | xxxxxx |  | xxxxxx D A |
| 853469 | xxxxxx |  | xxxxxx B D A |
| 853472 | xxxxxx |  | xxxxxx D A |
| 853515 | xxxxxx |  | xxxxxx A C |
| 853522 | xxxxxx |  | xxxxxx D A |
| 853542 | xxxxxx |  | xxxxxx D A |
| 853564 | xxxxxx |  | xxxxxx D A |
| 853566 | xxxxxx |  | xxxxxx B A |
| 853595 | xxxxxx |  | xxxxxx A |
| 853599 | xxxxxx |  | xxxxxx A D |
| 853657 | xxxxxx |  | xxxxxx A |
| 853670 | xxxxxx |  | xxxxxx C A |
| 853691 | xxxxxx |  | xxxxxx D A |
| 853693 | xxxxxx |  | xxxxxx C A D |
| 853716 | xxxxxx |  | xxxxxx A |
| 853766 | xxxxxx |  | xxxxxx D A |
| 853801 | xxxxxx |  | xxxxxx D A |
| 853802 | xxxxxx |  | xxxxxx A |
| 853838 | xxxxxx |  | xxxxxx A |
| 853857 | xxxxxx |  | xxxxxx D NA B |
| 853861 | xxxxxx |  | xxxxxx A |
| 853891 | xxxxxx |  | xxxxxx A |
| 853892 | xxxxxx |  | xxxxxx D A B |
| 853929 | xxxxxx |  | xxxxxx A |
| 853930 | xxxxxx |  | xxxxxx A |
| 853934 | xxxxxx |  | xxxxxx A |
| 853958 | xxxxxx |  | xxxxxx A |
| 854001 | xxxxxx |  | xxxxxx D A |
| 854009 | xxxxxx |  | xxxxxx A |
| 854023 | xxxxxx |  | xxxxxx D A |
| 854094 | xxxxxx |  | xxxxxx A C |
| 854133 | xxxxxx |  | xxxxxx B A |
| 854140 | xxxxxx |  | xxxxxx D NA |
| 854143 | xxxxxx |  | xxxxxx A |
| 854144 | xxxxxx |  | xxxxxx A |
| 854162 | xxxxxx |  | xxxxxx A |
| 854193 | xxxxxx |  | xxxxxx D A |
| 854216 | xxxxxx |  | xxxxxx D A |
| 854252 | xxxxxx |  | xxxxxx A |
| 854265 | xxxxxx |  | xxxxxx B A D |
| 854307 | xxxxxx |  | xxxxxx D A |
| 854352 | xxxxxx |  | xxxxxx D A |
| 854356 | xxxxxx |  | xxxxxx B A |
| 854432 | xxxxxx |  | xxxxxx A |
| 854499 | xxxxxx |  | xxxxxx C A |
| 854501 | xxxxxx |  | xxxxxx A NA |
| 854544 | xxxxxx |  | xxxxxx D A |
| 854546 | xxxxxx |  | xxxxxx A |
| 854556 | xxxxxx |  | xxxxxx A NA |
| 854559 | xxxxxx |  | xxxxxx A |
| 854571 | xxxxxx |  | xxxxxx C A B |
| 854575 | xxxxxx |  | xxxxxx B A |
| 854596 | xxxxxx |  | xxxxxx A |
| 854599 | xxxxxx |  | xxxxxx A |
| 854609 | xxxxxx |  | xxxxxx A NA |
| 854754 | xxxxxx |  | xxxxxx D A |
| 854755 | xxxxxx |  | xxxxxx D A |
| 854761 | xxxxxx |  | xxxxxx A NA |
| 854782 | xxxxxx |  | xxxxxx A C |
| 854785 | xxxxxx |  | xxxxxx A |
| 854804 | xxxxxx |  | xxxxxx A |
| 854805 | xxxxxx |  | xxxxxx A NA |
| 854807 | xxxxxx |  | xxxxxx A NA |
| 854849 | xxxxxx |  | xxxxxx A |
| 854895 | xxxxxx |  | xxxxxx A NA C |
| 854899 | xxxxxx |  | xxxxxx A C |
| 854900 | xxxxxx |  | xxxxxx A NA |
| 854901 | xxxxxx |  | xxxxxx A NA |
| 854914 | xxxxxx |  | xxxxxx A C |
| 854915 | xxxxxx |  | xxxxxx C NA B |
| 854917 | xxxxxx |  | xxxxxx A |
| 854919 | xxxxxx |  | xxxxxx D A |
| 854921 | xxxxxx |  | xxxxxx D C A B |
| 854928 | xxxxxx |  | xxxxxx D A |
| 854951 | xxxxxx |  | xxxxxx D C A |
| 854985 | xxxxxx |  | xxxxxx A NA D |
| 854992 | xxxxxx |  | xxxxxx B A |
| 854996 | xxxxxx |  | xxxxxx A NA |
| 855006 | xxxxxx |  | xxxxxx D NA B |
| 855014 | xxxxxx |  | xxxxxx A |
| 855035 | xxxxxx |  | xxxxxx A C |
| 855060 | xxxxxx |  | xxxxxx B A |
| 855079 | xxxxxx |  | xxxxxx B A |
| 855113 | xxxxxx |  | xxxxxx A NA |
| 855116 | xxxxxx |  | xxxxxx D NA |
| 855132 | xxxxxx |  | xxxxxx A |
| 855155 | xxxxxx |  | xxxxxx B A |
| 855178 | xxxxxx |  | xxxxxx A |
| 855192 | xxxxxx |  | xxxxxx A D |
| 855194 | xxxxxx |  | xxxxxx A D |
| 855196 | xxxxxx |  | xxxxxx A |
| 855257 | xxxxxx |  | xxxxxx A |
| 855276 | xxxxxx |  | xxxxxx A |
| 855289 | xxxxxx |  | xxxxxx A D |
| 855292 | xxxxxx |  | xxxxxx A C |
| 855300 | xxxxxx |  | xxxxxx C A |
| 855315 | xxxxxx |  | xxxxxx C NA |
| 855316 | xxxxxx |  | xxxxxx A |
| 855320 | xxxxxx |  | xxxxxx A |
| 855338 | xxxxxx |  | xxxxxx A NA C |
| 855343 | xxxxxx |  | xxxxxx A |
| 855345 | xxxxxx |  | xxxxxx A |
| 855347 | xxxxxx |  | xxxxxx A |
| 855352 | xxxxxx |  | xxxxxx A |
| 855353 | xxxxxx |  | xxxxxx A |
| 855354 | xxxxxx |  | xxxxxx A |
| 855359 | xxxxxx |  | xxxxxx B A |
| 855363 | xxxxxx |  | xxxxxx A |
| 855373 | xxxxxx |  | xxxxxx D A |
| 855376 | xxxxxx |  | xxxxxx A D |
| 855379 | xxxxxx |  | xxxxxx A |
| 855383 | xxxxxx |  | xxxxxx A |
| 855389 | xxxxxx |  | xxxxxx A |
| 855390 | xxxxxx |  | xxxxxx A |
| 855394 | xxxxxx |  | xxxxxx A D |
| 855400 | xxxxxx |  | xxxxxx D A |
| 855407 | xxxxxx |  | xxxxxx D A |
| 855416 | xxxxxx |  | xxxxxx A |
| 855471 | xxxxxx |  | xxxxxx A |
| 855472 | xxxxxx |  | xxxxxx A |
| 855477 | xxxxxx |  | xxxxxx A D |
| 855572 | xxxxxx |  | xxxxxx D A |
| 855574 | xxxxxx |  | xxxxxx D A |
| 855576 | xxxxxx |  | xxxxxx B A |
| 855605 | xxxxxx |  | xxxxxx A |
| 855614 | xxxxxx |  | xxxxxx A |
| 855620 | xxxxxx |  | xxxxxx A |
| 855622 | xxxxxx |  | xxxxxx D A B |
| 855642 | xxxxxx |  | xxxxxx A |
| 855644 | xxxxxx |  | xxxxxx A |
| 855647 | xxxxxx |  | xxxxxx A |
| 855648 | xxxxxx |  | xxxxxx A |
| 855650 | xxxxxx |  | xxxxxx A |
| 855672 | xxxxxx |  | xxxxxx A |
| 855673 | xxxxxx |  | xxxxxx B A |
| 855750 | xxxxxx |  | xxxxxx D A |
| 855752 | xxxxxx |  | xxxxxx D A |
| 855753 | xxxxxx |  | xxxxxx A |
| 855754 | xxxxxx |  | xxxxxx A |
| 855760 | xxxxxx |  | xxxxxx A |
| 855780 | xxxxxx |  | xxxxxx A D |
| 855782 | xxxxxx |  | xxxxxx D A |
| 855784 | xxxxxx |  | xxxxxx D A |
| 856103 | xxxxxx |  | xxxxxx D C A |
| 856109 | xxxxxx |  | xxxxxx D A |
| 856143 | xxxxxx |  | xxxxxx A |
| 856163 | xxxxxx |  | xxxxxx D A |
| 856226 | xxxxxx |  | xxxxxx D NA |
| 856227 | xxxxxx |  | xxxxxx A |
| 856229 | xxxxxx |  | xxxxxx D A |
| 856231 | xxxxxx |  | xxxxxx D A |
| 856306 | xxxxxx |  | xxxxxx A |
| 856320 | xxxxxx |  | xxxxxx D NA |
| 856339 | xxxxxx |  | xxxxxx A |
| 856363 | xxxxxx |  | xxxxxx B A |
| 856391 | xxxxxx |  | xxxxxx D NA |
| 856393 | xxxxxx |  | xxxxxx B A |
| 856516 | xxxxxx |  | xxxxxx D A B |
| 856537 | xxxxxx |  | xxxxxx A NA |
| 856550 | xxxxxx |  | xxxxxx A |
| 856561 | xxxxxx |  | xxxxxx A NA |
| 856631 | xxxxxx |  | xxxxxx A |
| 856648 | xxxxxx |  | xxxxxx C NA D |
| 856655 | xxxxxx |  | xxxxxx A NA |
| 856690 | xxxxxx |  | xxxxxx A |
| 856703 | xxxxxx |  | xxxxxx D NA |
| 856723 | xxxxxx |  | xxxxxx D A B |
| 856728 | xxxxxx |  | xxxxxx D A |
| 856747 | xxxxxx |  | xxxxxx D A |
| 856748 | xxxxxx |  | xxxxxx A |
| 856764 | xxxxxx |  | xxxxxx A NA |
| 856778 | xxxxxx |  | xxxxxx D A |
| 856781 | xxxxxx |  | xxxxxx A NA |
| 856785 | xxxxxx |  | xxxxxx C A |
| 856794 | xxxxxx |  | xxxxxx D A |
| 856795 | xxxxxx |  | xxxxxx D NA |
| 856816 | xxxxxx |  | xxxxxx A NA |
| 856855 | xxxxxx |  | xxxxxx A |
| 856881 | xxxxxx |  | xxxxxx D A |
| 856911 | xxxxxx |  | xxxxxx A |
| 856917 | xxxxxx |  | xxxxxx D A |
| 856919 | xxxxxx |  | xxxxxx D A |
| 856923 | xxxxxx |  | xxxxxx C A |
| 856939 | xxxxxx |  | xxxxxx D A |
| 856954 | xxxxxx |  | xxxxxx A |
| 856960 | xxxxxx |  | xxxxxx A |
| 856964 | xxxxxx |  | xxxxxx A NA |
| 856967 | xxxxxx |  | xxxxxx A |
| 856978 | xxxxxx |  | xxxxxx A |
| 856980 | xxxxxx |  | xxxxxx A |
| 856984 | xxxxxx |  | xxxxxx A |
| 856988 | xxxxxx |  | xxxxxx A |
| 856990 | xxxxxx |  | xxxxxx A |
| 857008 | xxxxxx |  | xxxxxx B C A |
| 857010 | xxxxxx |  | xxxxxx A |
| 857014 | xxxxxx |  | xxxxxx D A |
| 857144 | xxxxxx |  | xxxxxx A NA C |
| 857147 | xxxxxx |  | xxxxxx C A B |
| 857164 | xxxxxx |  | xxxxxx A |
| 857198 | xxxxxx |  | xxxxxx A |
| 857217 | xxxxxx |  | xxxxxx A |
| 857232 | xxxxxx |  | xxxxxx D A |
| 857267 | xxxxxx |  | xxxxxx C A B |
| 857276 | xxxxxx |  | xxxxxx A |
| 857283 | xxxxxx |  | xxxxxx A |
| 857310 | xxxxxx |  | xxxxxx A |
| 857326 | xxxxxx |  | xxxxxx A |
| 857361 | xxxxxx |  | xxxxxx A |
| 857377 | xxxxxx |  | xxxxxx A |
| 857381 | xxxxxx |  | xxxxxx A |
| 857385 | xxxxxx |  | xxxxxx A D |
| 857459 | xxxxxx |  | xxxxxx B A |
| 857460 | xxxxxx |  | xxxxxx A |
| 857461 | xxxxxx |  | xxxxxx C A B |
| 857462 | xxxxxx |  | xxxxxx A |
| 857464 | xxxxxx |  | xxxxxx A |
| 857467 | xxxxxx |  | xxxxxx A D |
| 857468 | xxxxxx |  | xxxxxx B A D |
| 857469 | xxxxxx |  | xxxxxx A |
| 857470 | xxxxxx |  | xxxxxx A |
| 857471 | xxxxxx |  | xxxxxx A |
| 857472 | xxxxxx |  | xxxxxx B A |
| 857474 | xxxxxx |  | xxxxxx B A |
| 857477 | xxxxxx |  | xxxxxx A |
| 857478 | xxxxxx |  | xxxxxx C A B |
| 857481 | xxxxxx |  | xxxxxx D A |
| 857493 | xxxxxx |  | xxxxxx C A B |
| 857498 | xxxxxx |  | xxxxxx A |
| 857569 | xxxxxx |  | xxxxxx A |
| 857571 | xxxxxx |  | xxxxxx A NA |
| 857586 | xxxxxx |  | xxxxxx D A |
| 857701 | xxxxxx |  | xxxxxx A C |
| 857705 | xxxxxx |  | xxxxxx A |
| 857734 | xxxxxx |  | xxxxxx A |
| 857736 | xxxxxx |  | xxxxxx A |
| 857789 | xxxxxx |  | xxxxxx A NA C D |
| 857862 | xxxxxx |  | xxxxxx A NA |
| 857904 | xxxxxx |  | xxxxxx A |
| 857999 | xxxxxx |  | xxxxxx D A |
| 858010 | xxxxxx |  | xxxxxx A D |
| 858015 | xxxxxx |  | xxxxxx A |
| 858026 | xxxxxx |  | xxxxxx C A |
| 858033 | xxxxxx |  | xxxxxx C A |
| 858057 | xxxxxx |  | xxxxxx D A |
| 858178 | xxxxxx |  | xxxxxx A |
| 858252 | xxxxxx |  | xxxxxx A |
| 858253 | xxxxxx |  | xxxxxx D A |
| 858255 | xxxxxx |  | xxxxxx C A B |
| 858258 | xxxxxx |  | xxxxxx A C |
| 858260 | xxxxxx |  | xxxxxx A |
| 858261 | xxxxxx |  | xxxxxx A |
| 858262 | xxxxxx |  | xxxxxx A |
| 858263 | xxxxxx |  | xxxxxx A |
| 858264 | xxxxxx |  | xxxxxx A C |
| 858266 | xxxxxx |  | xxxxxx A |
| 858269 | xxxxxx |  | xxxxxx B A |
| 858272 | xxxxxx |  | xxxxxx A C D |
| 858274 | xxxxxx |  | xxxxxx D A |
| 858278 | xxxxxx |  | xxxxxx D A |
| 858279 | xxxxxx |  | xxxxxx A |
| 858280 | xxxxxx |  | xxxxxx A |
| 858281 | xxxxxx |  | xxxxxx C A |
| 858282 | xxxxxx |  | xxxxxx A |
| 858283 | xxxxxx |  | xxxxxx A |
| 858286 | xxxxxx |  | xxxxxx A |
| 858294 | xxxxxx |  | xxxxxx B A |
| 858295 | xxxxxx |  | xxxxxx A |
| 858296 | xxxxxx |  | xxxxxx B D A |
| 858301 | xxxxxx |  | xxxxxx A |
| 858302 | xxxxxx |  | xxxxxx C A D |
| 858303 | xxxxxx |  | xxxxxx A |
| 858304 | xxxxxx |  | xxxxxx D A |
| 858307 | xxxxxx |  | xxxxxx A |
| 858310 | xxxxxx |  | xxxxxx B A |
| 858312 | xxxxxx |  | xxxxxx A |
| 858313 | xxxxxx |  | xxxxxx A |
| 858314 | xxxxxx |  | xxxxxx D A |
| 858315 | xxxxxx |  | xxxxxx A C |
| 858317 | xxxxxx |  | xxxxxx A |
| 858318 | xxxxxx |  | xxxxxx D A B |
| 858319 | xxxxxx |  | xxxxxx A |
| 858320 | xxxxxx |  | xxxxxx A |
| 858321 | xxxxxx |  | xxxxxx D A |
| 858323 | xxxxxx |  | xxxxxx D A |
| 858325 | xxxxxx |  | xxxxxx D A |
| 858326 | xxxxxx |  | xxxxxx A |
| 858327 | xxxxxx |  | xxxxxx C D A |
| 858328 | xxxxxx |  | xxxxxx A |
| 858329 | xxxxxx |  | xxxxxx A |
| 858331 | xxxxxx |  | xxxxxx A |
| 858332 | xxxxxx |  | xxxxxx A C |
| 858333 | xxxxxx |  | xxxxxx A |
| 858334 | xxxxxx |  | xxxxxx A |
| 858346 | xxxxxx |  | xxxxxx A |
| 858351 | xxxxxx |  | xxxxxx A |
| 858624 | xxxxxx |  | xxxxxx A NA |
| 858732 | xxxxxx |  | xxxxxx A |
| 858734 | xxxxxx |  | xxxxxx A |
| 858878 | xxxxxx |  | xxxxxx A |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**CANOPY DATA COMPARE REPORT**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 840062 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 840062 | xxxxxx |  | Number of Units | 6 | 5 |
| 840062 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 841764 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 841764 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 841764 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.49 | 39.683 |
| 842957 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 842957 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 842991 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 842991 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.73 | 50.00 |
| 845402 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash Out - Other |
| 847216 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 847714 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848825 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 849316 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849392 | xxxxxx |  | Margin | 6.5 | 2 |
| 849392 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 849588 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849588 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849621 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 849691 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850095 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850095 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 850163 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850163 | xxxxxx |  | Qualifying CLTV | 65.71 | 68.45238 |
| 850163 | xxxxxx |  | Qualifying LTV | 65.71 | 68.45238 |
| 850214 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850214 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850260 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 850260 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 850260 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 850545 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850669 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850756 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850756 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850756 | xxxxxx |  | Qualifying CLTV | 41.13 | 52.6 |
| 850756 | xxxxxx |  | Qualifying LTV | 41.13 | 52.6 |
| 850894 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 12 |
| 850894 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850896 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850906 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 850906 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 850915 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850946 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851381 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 851477 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 851516 | xxxxxx |  | Qualifying Total Debt Income Ratio | 13.34 | 8 |
| 851553 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851561 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 851561 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 851607 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851607 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 851699 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851699 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 851718 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 851718 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851864 | xxxxxx |  | Qualifying Total Debt Income Ratio | 43.25 | 46.48 |
| 852039 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852136 | xxxxxx |  | Margin | 6.5 | 2 |
| 852136 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852137 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852189 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852239 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 852239 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852239 | xxxxxx |  | Qualifying Total Debt Income Ratio | 47.19 | 45.01 |
| 852281 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852289 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852553 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852579 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852579 | xxxxxx |  | Qualifying Total Debt Income Ratio | 14.76 | 17.74 |
| 852607 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.38 | 23.857 |
| 852647 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 852648 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 852649 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 852651 | xxxxxx |  | Borrower 1 Self-Employment Flag | No | Yes |
| 852651 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 852652 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 852656 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 852661 | xxxxxx |  | Calculated DSCR | 0.906 | 0.45 |
| 852661 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 852662 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 852688 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852767 | xxxxxx |  | Amortization Term | 480 | 360 |
| 852767 | xxxxxx |  | Term | 480 | 360 |
| 852897 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852916 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 852916 | xxxxxx |  | Refinance Type | Cash Out - Other | No Cash Out - Borrower Initiated |
| 852990 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 852998 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Units |
| 853001 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 853009 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 853013 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 853060 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 853072 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 853074 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 853077 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 853121 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853121 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853126 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853293 | xxxxxx |  | Refinance Type | Cash Out - Other | No Cash Out - Borrower Initiated |
| 853307 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853307 | xxxxxx |  | Qualifying Total Debt Income Ratio | 35.39 | 40.00 |
| 853340 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853340 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853377 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853377 | xxxxxx |  | Qualifying Total Debt Income Ratio | 27.55 | 19.42 |
| 853377 | xxxxxx |  | Verified Doc Type | 12 Month Bank Statement | Full |
| 853385 | xxxxxx |  | Margin | 6.5 | 2 |
| 853385 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853432 | xxxxxx |  | Margin | 6.5 | 2 |
| 853432 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853432 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 853432 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 853434 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853437 | xxxxxx |  | Margin | 6.5 | 2 |
| 853437 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853469 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 853472 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853472 | xxxxxx |  | Qualifying Total Debt Income Ratio | 28.85 | 30.92 |
| 853515 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853515 | xxxxxx |  | Number of Units | 2 | 1 |
| 853515 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Attached |
| 853522 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853542 | xxxxxx |  | Refinance Type | Cash Out - Home Improvement/Reno | Cash Out - Other |
| 853542 | xxxxxx |  | Verified Doc Type | 12 Month Bank Statement | Full |
| 853564 | xxxxxx |  | Margin | 6.5 | 2 |
| 853564 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853566 | xxxxxx |  | Margin | 6.5 | 2 |
| 853566 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853599 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853657 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853670 | xxxxxx |  | Margin | 6.5 | 2 |
| 853670 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853670 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853693 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 853693 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853716 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853801 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853802 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853802 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42 | 40.88 |
| 853838 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853861 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853861 | xxxxxx |  | Qualifying Total Debt Income Ratio | 21.09 | 23.12 |
| 853892 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853892 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 853892 | xxxxxx |  | Qualifying Total Debt Income Ratio | 23.88 | 10.55 |
| 853929 | xxxxxx |  | Margin | 6.5 | 2 |
| 853929 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 853930 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854023 | xxxxxx |  | Qualifying Total Debt Income Ratio | 33.93 | 30.86 |
| 854094 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854094 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854140 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854140 | xxxxxx |  | Qualifying Total Debt Income Ratio | 39.27 | 30.02 |
| 854143 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854144 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854144 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854144 | xxxxxx |  | Qualifying Total Debt Income Ratio | 26.97 | 33.78 |
| 854252 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 854252 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854265 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 854265 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.03 | 45.79 |
| 854307 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854356 | xxxxxx |  | Margin | 6.5 | 2 |
| 854356 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 854499 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854501 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854501 | xxxxxx |  | Qualifying CLTV | 33.76 | 37.33 |
| 854501 | xxxxxx |  | Qualifying LTV | 15.96 | 17.65 |
| 854501 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.21 | 10.60 |
| 854546 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.99 | 20.28 |
| 854556 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854556 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 854556 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 854556 | xxxxxx |  | Qualifying CLTV | 77.46 | 61.97167 |
| 854556 | xxxxxx |  | Qualifying LTV | 33.33 | 26.66667 |
| 854556 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.13 | 47.83 |
| 854559 | xxxxxx |  | Property Type | Single Family Attached | Single Family Detached |
| 854571 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854599 | xxxxxx |  | Qualifying FICO | 775 | 744 |
| 854609 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 854609 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854609 | xxxxxx |  | Qualifying Total Debt Income Ratio | 40.95 | 49.97 |
| 854754 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854755 | xxxxxx |  | Interest Rate | 7.5 | 7.625 |
| 854755 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 854782 | xxxxxx |  | Qualifying Total Debt Income Ratio | 15.21 | 28.308 |
| 854804 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 854804 | xxxxxx |  | Qualifying Total Debt Income Ratio | 35.06 | 40 |
| 854849 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854900 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854914 | xxxxxx |  | Qualifying Total Debt Income Ratio | 26.08 | 28.46 |
| 854919 | xxxxxx |  | Prepayment Penalty Total Term | 0 | 36 |
| 854919 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854919 | xxxxxx |  | Qualifying Total Debt Income Ratio | 31.4 | 27.79 |
| 854921 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 854921 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854921 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.54 | 33.00 |
| 854951 | xxxxxx |  | Qualifying Total Debt Income Ratio | 27.12 | 31.493 |
| 854992 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 854992 | xxxxxx |  | Margin | 6.5 | 2 |
| 854992 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854996 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.57 | 46.54 |
| 855060 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855060 | xxxxxx |  | Qualifying Total Debt Income Ratio | 34.71 | 38.00 |
| 855079 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855079 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.77 | 44.82 |
| 855113 | xxxxxx |  | Qualifying Total Debt Income Ratio | 22.29 | 14.20 |
| 855116 | xxxxxx |  | Qualifying Total Debt Income Ratio | 39.84 | 34.74 |
| 855178 | xxxxxx |  | Qualifying Total Debt Income Ratio | 25.5 | 23.00 |
| 855257 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855276 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855276 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.82 | 33.166 |
| 855289 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855315 | xxxxxx |  | Loan Program | 30 Year Fixed Rate Second | Verus Mortgage |
| 855316 | xxxxxx |  | Qualifying Total Debt Income Ratio | 6.45 | 4.72 |
| 855320 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855343 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855343 | xxxxxx |  | Qualifying Total Debt Income Ratio | 33.79 | 29.66 |
| 855352 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 855353 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 855354 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 855373 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 855379 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 855383 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 855390 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 855400 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 855572 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855574 | xxxxxx |  | Qualifying FICO | 751 | 745 |
| 855576 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855576 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 855605 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 855614 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855614 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855622 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.86 | 41.876 |
| 855644 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 855644 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855673 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855673 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855750 | xxxxxx |  | Prepayment Penalty Total Term | 0 | 36 |
| 855750 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855750 | xxxxxx |  | Qualifying Total Debt Income Ratio | 34.01 | 26.83 |
| 855754 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855754 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855760 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 855760 | xxxxxx |  | Qualifying Total Debt Income Ratio | 24.79 | 29.50 |
| 856103 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856163 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 856226 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856227 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856306 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856306 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856306 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 856306 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 856320 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 856339 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856391 | xxxxxx |  | Qualifying Total Debt Income Ratio | 47.09 | 28.21 |
| 856393 | xxxxxx |  | Qualifying Total Debt Income Ratio | 6.7 | 3.24 |
| 856516 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 856516 | xxxxxx |  | Qualifying Total Debt Income Ratio | 51.37 | 42.00 |
| 856550 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 856631 | xxxxxx |  | Qualifying Total Debt Income Ratio | 34.27 | 39 |
| 856703 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 856728 | xxxxxx |  | Qualifying FICO | 769 | 622 |
| 856747 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.25 | 44.09 |
| 856748 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.52 | 35.54 |
| 856778 | xxxxxx |  | Qualifying Total Debt Income Ratio | 41.15 | 43.9 |
| 856794 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856794 | xxxxxx |  | Qualifying FICO | 794 | 793 |
| 856795 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856816 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 856881 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856881 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 856917 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856919 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856919 | xxxxxx |  | Qualifying CLTV | 72.95 | 74.20 |
| 856919 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 856919 | xxxxxx |  | Qualifying LTV | 72.95 | 74.20 |
| 856919 | xxxxxx |  | Qualifying Total Debt Income Ratio | 25.46 | 46.00 |
| 856919 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 856939 | xxxxxx |  | Qualifying Total Debt Income Ratio | 24.93 | 49.02 |
| 856954 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 856954 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 856960 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856960 | xxxxxx |  | Verified Doc Type | 24 Month Bank Statement | Full |
| 856964 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 856967 | xxxxxx |  | Amortization Term | 360 | 240 |
| 856967 | xxxxxx |  | Qualifying CLTV | 54.09 | 31.78 |
| 857010 | xxxxxx |  | Qualifying FICO | 786 | 815 |
| 857217 | xxxxxx |  | Qualifying Total Debt Income Ratio | 25.76 | 28.00 |
| 857232 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857267 | xxxxxx |  | Qualifying CLTV | 49.07 | 55.56 |
| 857267 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 857267 | xxxxxx |  | Qualifying LTV | 49.07 | 55.56 |
| 857361 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857377 | xxxxxx |  | Qualifying Total Debt Income Ratio | 35.13 | 27.36 |
| 857381 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857381 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857459 | xxxxxx |  | Escrow Flag | Yes | No |
| 857467 | xxxxxx |  | Verified Doc Type | 1YR Business P&L | 12 Mo. Business Bank Statements |
| 857468 | xxxxxx |  | Qualifying Total Debt Income Ratio | 43.05 | 41.38 |
| 857469 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 857470 | xxxxxx |  | Qualifying Total Debt Income Ratio | 24.54 | 22.137 |
| 857481 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 857493 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 857571 | xxxxxx |  | Qualifying Total Debt Income Ratio | 30.44 | 34.8 |
| 857734 | xxxxxx |  | Qualifying Total Debt Income Ratio | 45.67 | 47.04 |
| 857904 | xxxxxx |  | Qualifying Total Debt Income Ratio | 47.84 | 49.00 |
| 858026 | xxxxxx |  | Qualifying Total Debt Income Ratio | 45.32 | 47.50 |
| 858252 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858317 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 858346 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 858346 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**CANOPY ATR QM REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 840062 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 840433 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes | 26886.47 | 8.749 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 40250.15 | N/A | Employed |  | No |  | Yes | Present |
| 841764 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 31223.48 | 8.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12457.05 | Yes | Employed |  | No |  | No |  |
| 842957 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1500 | 6.891 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 344971.54 | N/A | Employed |  | No |  | No |  |
| 842991 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 40185.6 | 7.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18560.25 | Yes | Employed | Employed | No | No | No |  |
| 845402 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845924 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 845982 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 846785 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847216 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847714 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847729 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1279 | 7.08 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11608.98 | N/A | Employed |  | No |  | No |  |
| 848027 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 848143 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 10240.43 | 8.294 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8495.97 | Yes | Employed |  | No |  | No |  |
| 848177 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848825 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848866 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 849258 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 14520 | 8.012 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13188.53 | Yes | Employed |  | No |  | No |  |
| 849267 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 849316 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849374 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849392 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 849523 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6619.5 | 7.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 66178.5 | N/A | Employed |  | No |  | No |  |
| 849532 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849588 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849621 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 849676 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849691 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850095 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 850148 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | 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 |
| 850163 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850214 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 850237 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850254 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 1495 | 7.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15643.92 | Yes | Employed |  | No |  | No |  |
| 850260 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850479 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850482 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850545 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 7689.32 | 7.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17019.48 | Yes | Employed |  | No |  | No |  |
| 850591 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850669 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850680 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850681 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4767.5 | 7.795 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 18391.08 | Yes | Employed |  | No |  | No |  |
| 850756 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6950 | 7.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34515.17 | Yes | Employed |  | No |  | No |  |
| 850894 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850896 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850906 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850915 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850946 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 850966 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851063 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851363 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851381 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851436 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851456 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851462 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851477 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 851497 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851516 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 25287.35 | 6.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 55130.15 | N/A | Employed |  | No |  | No |  |
| 851553 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8520.61 | 7.487 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4236.3 | Yes | Employed |  | No |  | No |  |
| 851561 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851607 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851654 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 851682 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 851699 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851718 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851744 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851816 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851833 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851864 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2375 | 6.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14481.27 | N/A | Employed | Not Employed | No | No | No |  |
| 851918 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852039 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852066 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852119 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852136 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852137 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852145 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3250.8 | 9.078 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 6719.55 | N/A | Employed |  | No |  | No |  |
| 852189 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852194 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852195 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852219 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852233 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852239 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 5144.85 | 8.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5679.63 | N/A | Employed |  | No |  | No |  |
| 852244 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 9470 | 7.266 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11584.33 | N/A | Employed |  | No |  | No |  |
| 852281 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852289 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852297 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852366 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852428 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852442 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 68061 | 7.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25926.69 | Yes | Employed |  | No |  | No |  |
| 852475 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852480 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852505 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852553 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852579 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2369.95 | 7.314 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 26347.41 | Yes | Employed |  | No |  | No |  |
| 852581 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852607 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 26382.7 | 6.841 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 5196.55 | N/A | Employed |  | No |  | Yes | Present |
| 852613 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852647 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852648 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852649 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852651 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852652 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852656 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852661 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852662 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852664 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852669 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852671 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852688 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 6.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14404.57 | Yes | Employed |  | No |  | No |  |
| 852703 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852753 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852767 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852780 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852851 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852876 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852886 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 2819.81 | 7.982 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4196.6 | N/A | Employed |  | No |  | No |  |
| 852897 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 852916 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6612.35 | 8.685 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 16834.69 | N/A | Employed |  | No |  | No |  |
| 852920 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 11640 | 8.253 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11760.49 | Yes | Employed |  | No |  | No |  |
| 852935 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852945 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852989 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852990 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852991 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852993 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852994 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852995 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852998 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853001 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853002 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853003 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853006 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853009 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853011 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853013 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853020 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853024 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853027 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853030 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853036 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853037 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853039 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853048 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853057 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853059 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853060 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853064 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853068 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853069 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853071 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853072 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853073 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853074 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853077 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853090 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853121 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853126 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1890 | 6.891 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 559556.08 | N/A | Employed | Not Employed | No | No | No |  |
| 853218 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853293 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5882.4 | 8.409 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10696.81 | Yes | Employed |  | No |  | No |  |
| 853307 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 19120.87 | N/A | Employed |  | No |  | Yes | Present |
| 853340 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853343 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853377 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23379.27 | N/A | Employed |  | No |  | Yes | Present |
| 853379 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853385 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853432 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853434 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853437 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853459 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6960.82 | 7.098 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13553.31 | Yes | Employed |  | No |  | No |  |
| 853469 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853472 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14491.15 | N/A | Employed |  | No |  | Yes | Present |
| 853515 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 16921.25 | 7.421 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12224.44 | N/A | Employed |  | No |  | No |  |
| 853522 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14799.73 | N/A | Employed |  | No |  | Yes | Present |
| 853542 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 5097 | 8.19 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7530.17 | N/A | Employed |  | No |  | No |  |
| 853564 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853566 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 853595 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853599 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853657 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853670 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853691 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2325 | 6.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8749.1 | Yes | Employed |  | No |  | No |  |
| 853693 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853716 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853766 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853801 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1945 | 7.282 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33149 | Yes | Employed |  | No |  | No |  |
| 853802 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 36303.53 | 7.072 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22273.8 | N/A | Employed |  | No |  | No |  |
| 853838 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853857 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9000.25 | 9.213 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15111.98 | Yes | Employed | Employed | No | No | No |  |
| 853861 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 10995.48 | 7.693 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 58037.25 | Yes | Employed | Not Employed | No | No | No |  |
| 853891 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853892 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3612.77 | 7.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6330.38 | N/A | Employed |  | No |  | No |  |
| 853929 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853930 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853934 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853958 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 854001 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19785.16 | Yes | Employed |  | No |  | Yes | Present |
| 854009 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10591.91 | 7.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9506.82 | N/A | Employed |  | No |  | No |  |
| 854023 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7406.68 | N/A | Employed |  | No |  | Yes | Present |
| 854094 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 34500 | 7.47 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10643.38 | Yes | Employed | Not Employed | No | No | No |  |
| 854133 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854140 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1907 | 7.919 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12405 | Yes | Employed | Employed | No | No | No |  |
| 854143 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854144 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 6.657 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20406.33 | Yes | Not Employed | Not Employed | No | No | No |  |
| 854162 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 854193 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4215 | 7.449 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5582.53 | Yes | Employed |  | No |  | No |  |
| 854216 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 41575 | 7.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 77176.58 | Yes | Employed |  | No |  | No |  |
| 854252 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 5919.2 | 7.946 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3483.33 | Yes | Employed |  | No |  | No |  |
| 854265 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2582.13 | 6.814 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10867.74 | Yes | Employed |  | No |  | No |  |
| 854307 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22484.83 | N/A | Employed |  | No |  | Yes | Present |
| 854352 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3771.36 | 7.45 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5697.24 | N/A | Employed |  | No |  | No |  |
| 854356 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854432 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854499 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 13122 | 7.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13929.81 | Yes | Employed |  | No |  | No |  |
| 854501 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 5060 | 8.635 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6222.09 | Yes | Employed |  | No |  | No |  |
| 854544 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 7535 | 7.282 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 46521.69 | N/A | Employed |  | No |  | No |  |
| 854546 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4783.85 | N/A | Employed |  | No |  | Yes | Present |
| 854556 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4300 | 8.081 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4007.28 | N/A | Employed |  | No |  | No |  |
| 854559 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854571 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5470.8 | 7.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5130.26 | Yes | Employed |  | No |  | No |  |
| 854575 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 3976.09 | 8.235 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4631.03 | Yes | Employed |  | No |  | No |  |
| 854596 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854599 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 854609 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5183 | 8.466 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8384.59 | Yes | Employed |  | No |  | No |  |
| 854754 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2615 | 7.614 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7568.45 | Yes | Employed |  | No |  | No |  |
| 854755 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5715 | 7.601 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9951.48 | Yes | Employed |  | No |  | No |  |
| 854761 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3925 | 9.227 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5896.52 | N/A | Employed |  | No |  | No |  |
| 854782 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 12490 | 8.493 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48871.61 | Yes | Employed |  | No |  | No |  |
| 854785 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2229.7 | 7.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15191.62 | N/A | Employed | Employed | No | No | No |  |
| 854804 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 34868.75 | 7.33 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28709.33 | N/A | Employed |  | No |  | No |  |
| 854805 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4295 | 8.55 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 11206.69 | N/A | Employed |  | No |  | No |  |
| 854807 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3080.15 | 8.018 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 10757.72 | N/A | Employed |  | No |  | No |  |
| 854849 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854895 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3270 | 9.779 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8178.33 | N/A | Employed |  | No |  | No |  |
| 854899 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1095 | 7.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 125497.11 | Yes | Employed | Employed | No | No | No |  |
| 854900 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1479 | 8.478 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 14556.71 | N/A | Employed |  | No |  | No |  |
| 854901 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8720 | 7.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15908.22 | N/A | Employed | Employed | No | No | No |  |
| 854914 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4096 | 7.436 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8888.68 | Yes | Employed |  | No |  | No |  |
| 854915 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1675 | 10.005 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6705.33 | Yes | Employed | Employed | No | No | No |  |
| 854917 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 10402.78 | 6.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6617.09 | Yes | Employed | Employed | No | No | No |  |
| 854919 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 46022.42 | N/A | Employed |  | No |  | Yes | Present |
| 854921 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2285 | 7.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21845.42 | Yes | Employed |  | No |  | No |  |
| 854928 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3750.13 | 7.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18031.55 | N/A | Employed |  | No |  | No |  |
| 854951 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7400 | 8.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10210.77 | N/A | Employed |  | No |  | No |  |
| 854985 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2830 | 8.31 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 22825.7 | N/A | Employed |  | No |  | No |  |
| 854992 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 854996 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1700 | 8.664 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 2447.05 | N/A | Employed | Employed | No | No | No |  |
| 855006 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6910.35 | 9.274 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 85527.06 | N/A | Employed |  | No |  | No |  |
| 855014 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27274.21 | N/A | Employed |  | No |  | Yes | Present |
| 855035 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 16035.84 | 6.969 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16406.81 | Yes | Employed |  | No |  | No |  |
| 855060 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 12184 | 6.73 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10850.55 | N/A | Employed |  | No |  | No |  |
| 855079 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 6.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16048.66 | Yes | Employed |  | No |  | No |  |
| 855113 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1767 | 7.575 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 20600.01 | N/A | Employed |  | No |  | No |  |
| 855116 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1449 | 7.917 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 33639.99 | N/A | Employed | Not Employed | No | No | No |  |
| 855132 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | Yes | No | No | No | Yes | 17308.13 | 7.249 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 127688.48 | N/A | Employed |  | No |  | No |  |
| 855155 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1539 | 7.281 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8572.54 | Yes | Retired |  | No |  | No |  |
| 855178 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 14889.25 | 7.512 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23788.93 | Yes | Employed |  | No |  | No |  |
| 855192 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1750.25 | 7.648 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10047.82 | Yes | Employed | Employed | No | No | No |  |
| 855194 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15024.29 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 855196 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 21797.5 | 7.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 37548.96 | N/A | Employed |  | No |  | No |  |
| 855257 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 703706.63 | N/A | Employed |  | No |  | No |  |
| 855276 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3839.95 | 7.351 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7939.13 | Yes | Employed |  | No |  | No |  |
| 855289 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1695 | 7.531 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63248.36 | Yes | Employed |  | No |  | No |  |
| 855292 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5310 | 6.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42203.36 | Yes | Not Employed | Employed | No | No | No |  |
| 855300 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1845 | 7.003 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19242.57 | Yes | Employed | Employed | No | No | No |  |
| 855315 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3720 | 10.28 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6622.69 | N/A | Employed |  | No |  | No |  |
| 855316 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 12884.69 | 8.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 197858.91 | Yes | Employed |  | No |  | No |  |
| 855320 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 55787.66 | Yes | Employed | Employed | No | No | Yes | Present |
| 855338 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 2697 | 10.369 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 20504.26 | N/A | Employed |  | No |  | No |  |
| 855343 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9139.62 | N/A | Employed |  | No |  | Yes | Present |
| 855345 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855347 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855352 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855353 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855354 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855359 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855363 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855373 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855376 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855379 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855383 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855389 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855390 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855394 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855400 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855407 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 855416 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7121.87 | 7.764 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8007.26 | Yes | Employed |  | No |  | No |  |
| 855471 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 39473.84 | N/A | Employed |  | No |  | Yes | Present |
| 855472 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 31434.72 | N/A | Employed |  | No |  | Yes | Present |
| 855477 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 15095 | 7.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7195.03 | N/A | Employed | Employed | No | No | No |  |
| 855572 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 47687.49 | N/A | Employed |  | No |  | Yes | Present |
| 855574 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2435 | 7.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11741.82 | Yes | Employed | Employed | No | No | No |  |
| 855576 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 29372.5 | 7.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 141073.37 | N/A | Employed | Employed | No | No | No |  |
| 855605 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7492.93 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 855614 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4800 | 7.575 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20962.89 | N/A | Employed | Retired | No | No | No |  |
| 855620 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 388438.98 | N/A | Employed |  | No |  | Yes | Present |
| 855622 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 22020 | 7.616 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25541.49 | N/A | Employed |  | No |  | No |  |
| 855642 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 388290.58 | Yes | Employed |  | No |  | Yes | Present |
| 855644 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 6235 | 8.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 58032.27 | Yes | Employed |  | No |  | No |  |
| 855647 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 388303.23 | N/A | Employed |  | No |  | Yes | Present |
| 855648 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 388274.51 | N/A | Employed |  | No |  | Yes | Present |
| 855650 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 391898.3 | N/A | Employed |  | No |  | Yes | Present |
| 855672 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3540 | 7.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31402.55 | Yes | Employed |  | No |  | No |  |
| 855673 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3416.3 | 7.284 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66004.61 | Yes | Employed |  | No |  | No |  |
| 855750 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 44272.36 | N/A | Employed |  | No |  | Yes | Present |
| 855752 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 2219 | 8.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15854.94 | Yes | Employed | Not Employed | No | No | No |  |
| 855753 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3318.13 | 8.557 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7811.64 | Yes | Employed |  | No |  | No |  |
| 855754 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 94919.23 | N/A | Employed | Employed | No | No | Yes | Present |
| 855760 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 16963.6 | 8.183 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41589.95 | Yes | Employed |  | No |  | No |  |
| 855780 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2875 | 6.833 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18933.34 | Yes | Employed |  | No |  | No |  |
| 855782 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2467.6 | 7.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10514.61 | Yes | Employed |  | No |  | No |  |
| 855784 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 6.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9611.74 | N/A | Employed | Employed | No | No | No |  |
| 856103 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 18389 | 7.062 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28639.34 | N/A | Employed | Not Employed | No | No | No |  |
| 856109 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 18593.35 | N/A | Employed |  | No |  | Yes | Present |
| 856143 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 0 | 6.88 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 153998.6 | Yes | Employed | Not Employed | No | No | No |  |
| 856163 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 38546.67 | N/A | Employed |  | No |  | Yes | Present |
| 856226 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2816.09 | 9.31 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11210.08 | Yes | Employed | Employed | No | No | No |  |
| 856227 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2390 | 6.928 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7715.81 | N/A | Employed |  | No |  | No |  |
| 856229 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 48777.11 | N/A | Employed |  | No |  | Yes | Present |
| 856231 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 48895.38 | N/A | Employed |  | No |  | Yes | Present |
| 856306 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3418 | 7.234 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5057.39 | Yes | Employed |  | No |  | No |  |
| 856320 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 4621.25 | 9.612 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 13805.3 | N/A | Employed |  | No |  | No |  |
| 856339 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 12090 | 8.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6930.69 | N/A | Employed |  | No |  | No |  |
| 856363 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 18320 | 7.397 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9208.04 | N/A | Employed |  | No |  | No |  |
| 856391 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 7.851 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8216.03 | N/A | Employed |  | No |  | No |  |
| 856393 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 17951.4 | 7.807 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 109743.75 | Yes | Employed |  | No |  | No |  |
| 856516 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | Yes | No | No | No | No | No | 2805 | 8.942 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8910.95 | N/A | Employed |  | No |  | No |  |
| 856537 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8669.4 | 8.984 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7314.29 | N/A | Employed |  | No |  | No |  |
| 856550 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 28947.28 | 7.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 75990.84 | Yes | Employed |  | No |  | No |  |
| 856561 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3370.25 | 8.798 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4343.08 | N/A | Employed |  | No |  | No |  |
| 856631 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6095 | 6.726 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9988.42 | N/A | Not Employed |  | No |  | No |  |
| 856648 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 9197 | 8.003 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 15847.39 | N/A | Employed | Employed | No | No | No |  |
| 856655 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 255447.57 | N/A | Employed |  | No |  | Yes | Present |
| 856690 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9152.94 | 7.315 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10890.11 | N/A | Employed | Not Employed | No | No | No |  |
| 856703 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 7.419 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 44052.35 | Yes | Employed |  | No |  | No |  |
| 856723 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 51711.25 | 6.671 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 65702.78 | N/A | Employed | Employed | No | No | No |  |
| 856728 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 46511.46 | N/A | Employed | Employed | No | No | Yes | Present |
| 856747 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13387.35 | N/A | Employed |  | No |  | Yes | Present |
| 856748 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1735 | 7.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21387.59 | Yes | Employed |  | No |  | No |  |
| 856764 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 8.425 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 321616.39 | N/A | Employed |  | No |  | No |  |
| 856778 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 23845 | 7.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9080.54 | N/A | Employed |  | No |  | No |  |
| 856781 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5345 | 8.57 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 35618.08 | Yes | Employed |  | No |  | No |  |
| 856785 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 12263.2 | 7.438 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9974.89 | N/A | Not Employed |  | No |  | No |  |
| 856794 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12534.13 | N/A | Employed | Employed | No | No | Yes | Present |
| 856795 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8795 | 7.911 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 48023.31 | N/A | Employed | Not Employed | No | No | No |  |
| 856816 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 772.79 | N/A | Employed |  | No |  | Yes | Present |
| 856855 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 13307.64 | 7.391 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 36202.07 | N/A | Employed |  | No |  | No |  |
| 856881 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 15840 | 7.442 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16259.94 | Yes | Employed |  | No |  | No |  |
| 856911 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 150517.72 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 856917 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17929.7 | N/A | Employed |  | No |  | Yes | Present |
| 856919 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4616.25 | 6.914 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 39064.97 | N/A | Employed | Employed | No | No | No |  |
| 856923 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 12854.81 | 8.932 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6557.98 | N/A | Employed | Retired | No | No | No |  |
| 856939 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 146556.24 | Yes | Employed |  | No |  | Yes | Present |
| 856954 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 14946 | 7.125 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9077.73 | Yes | Employed |  | No |  | No |  |
| 856960 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1964 | 7.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5208.15 | N/A | Employed | Employed | No | No | No |  |
| 856964 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9383.92 | 8.44 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 10051.88 | N/A | Employed | Employed | No | No | No |  |
| 856967 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2840.75 | 6.793 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11600.97 | Yes | Employed |  | No |  | No |  |
| 856978 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 9263.52 | 9.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13582.49 | Yes | Employed |  | No |  | No |  |
| 856980 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2580 | 7.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 169716.18 | N/A | Employed | Employed | No | No | No |  |
| 856984 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 11318 | 8.594 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7066.9 | N/A | Not Employed |  | No |  | No |  |
| 856988 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 10445 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16403.38 | N/A | Employed |  | No |  | No |  |
| 856990 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 13397.5 | 8.137 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7653.02 | N/A | Employed | Employed | No | No | No |  |
| 857008 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1095 | 7.025 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10336.31 | Yes | Employed |  | No |  | No |  |
| 857010 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12501.85 | N/A | Employed |  | No | No | Yes | Present |
| 857014 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9176.35 | 6.707 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21202.41 | N/A | Not Employed | Not Employed | No | No | No |  |
| 857144 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 3995 | 11.444 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2630.46 | N/A | Employed |  | No |  | No |  |
| 857147 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 13895 | 7.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7549.26 | N/A | Not Employed |  | No |  | No |  |
| 857164 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 8180.7 | 8.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9143.88 | N/A | Employed | Not Employed | No | No | No |  |
| 857198 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21013.6 | N/A | Employed |  | No |  | Yes | Present |
| 857217 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7137.93 | 8.017 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21421.3 | Yes | Employed |  | No |  | No |  |
| 857232 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4170 | 7.229 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8801.13 | N/A | Employed |  | No |  | No |  |
| 857267 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 6260.38 | 8.467 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4057.84 | Yes | Employed |  | No |  | No |  |
| 857276 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 28615 | 8.137 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17430.78 | N/A | Employed |  | No |  | No |  |
| 857283 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | No | No | No | No | No | No | No | No | No | 11400 | 8.258 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14960.24 | N/A | Employed |  | No |  | No |  |
| 857310 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6795 | 7.075 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8537.84 | N/A | Employed |  | No |  | No |  |
| 857326 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10468 | N/A | Employed |  | No |  | Yes | Present |
| 857361 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1735 | 7.046 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9970.45 | Yes | Retired | Retired | No | No | No |  |
| 857377 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 6.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9088.85 | Yes | Employed |  | No |  | No |  |
| 857381 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2527.38 | 7.718 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17910.01 | N/A | Employed |  | No |  | No |  |
| 857385 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23862.68 | N/A | Employed |  | No |  | Yes | Present |
| 857459 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 29020 | 7.37 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18431.21 | N/A | Employed |  | No |  | No |  |
| 857460 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 13394.87 | 6.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 148008.45 | N/A | Employed | Employed | No | No | No |  |
| 857461 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6399.42 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 4908.39 | Yes | Employed |  | No |  | No |  |
| 857462 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 27125 | 6.78 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22586.78 | N/A | Employed |  | No |  | No |  |
| 857464 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 17220 | 7.305 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 33861.93 | N/A | Employed |  | No |  | No |  |
| 857467 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | No | No | No | No | No | No | No | No | Yes | 27553.86 | 8.585 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 164800.39 | N/A | Employed |  | No |  | No |  |
| 857468 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 10225 | 7.704 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9035.14 | Yes | Employed |  | No |  | No |  |
| 857469 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 19240 | 7.326 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30074.43 | N/A | Employed |  | No |  | No |  |
| 857470 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 7805 | 7.351 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14823.01 | N/A | Employed |  | No |  | No |  |
| 857471 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11090 | 7.18 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5523.37 | N/A | Employed |  | No |  | No |  |
| 857472 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 8735 | 7.713 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4789.68 | N/A | Employed |  | No |  | No |  |
| 857474 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 11308.19 | 8.028 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12074.88 | N/A | Employed | Employed | No | No | No |  |
| 857477 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 8336.25 | 8.44 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4218.78 | N/A | Employed |  | No |  | No |  |
| 857478 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 21975 | 8.12 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15625.63 | N/A | Employed |  | No |  | No |  |
| 857481 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 796113.14 | N/A | Employed |  | No |  | Yes | Present |
| 857493 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5463.35 | N/A | Employed |  | No |  | Yes | Present |
| 857498 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7664.82 | 7.463 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5509.29 | N/A | Employed |  | No |  | No |  |
| 857569 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 9580 | 6.986 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10297.83 | N/A | Employed | Employed | No | No | No |  |
| 857571 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1900 | 8.39 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8829.39 | N/A | Employed |  | No |  | No |  |
| 857586 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3910.25 | 7.686 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 86521.73 | Yes | Employed |  | No |  | No |  |
| 857701 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2375 | 6.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 724384.82 | N/A | Employed |  | No |  | No |  |
| 857705 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 39775.47 | N/A | Employed |  | No |  | Yes | Present |
| 857734 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3677 | 7.028 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9512 | Yes | Retired |  | No |  | No |  |
| 857736 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8275.6 | 8.092 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17804.79 | N/A | Employed |  | No |  | No |  |
| 857789 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2657.5 | 8.951 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 215985.62 | N/A | Employed |  | No |  | No |  |
| 857862 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2940 | 8.448 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3596.39 | Yes | Employed | Employed | No | No | No |  |
| 857904 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 14992.5 | 9.442 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22389.41 | Yes | Employed |  | No |  | No |  |
| 857999 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6390 | 7.342 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16198.06 | Yes | Employed |  | No |  | No |  |
| 858010 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 21650 | 7.741 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14148.74 | Yes | Employed |  | No |  | No |  |
| 858015 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 18725 | 7.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6935.75 | Yes | Employed |  | No |  | No |  |
| 858026 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 16375 | 7.042 | N/A | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16170.42 | N/A | Employed |  | No |  | No |  |
| 858033 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2375 | 6.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10577.3 | N/A | Employed |  | No |  | No |  |
| 858057 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9170 | 7.674 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4895.6 | N/A | Employed |  | No |  | No |  |
| 858178 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5345 | 7.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10839.26 | N/A | Employed | Not Employed | No | No | No |  |
| 858252 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 38545 | 7.033 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 44752.64 | N/A | Employed |  | No |  | No |  |
| 858253 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 152611.91 | N/A | Employed |  | No |  | Yes | Present |
| 858255 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 14975 | 6.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13571.7 | Yes | Employed |  | No |  | No |  |
| 858258 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 6525 | 7.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6407.01 | N/A | Employed |  | No |  | No |  |
| 858260 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9793 | 7.946 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7795.49 | Yes | Employed |  | No |  | No |  |
| 858261 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 24232.5 | 6.988 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11813.89 | Yes | Employed | Unknown | No | No | No |  |
| 858262 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 19750 | 7.678 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 127970.88 | N/A | Employed |  | No |  | No |  |
| 858263 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 10512.5 | 6.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 38536.75 | N/A | Employed |  | No |  | No |  |
| 858264 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 17995 | 8.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10315.07 | Yes | Employed |  | No |  | No |  |
| 858266 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 14170 | 6.877 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12055.77 | N/A | Employed |  | No |  | No |  |
| 858269 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 13602.5 | 8.8 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24804.26 | Yes | Employed |  | No |  | No |  |
| 858272 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9335 | 7.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5390.01 | Yes | Employed |  | No |  | No |  |
| 858274 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 29695 | 9.434 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 81078.69 | N/A | Employed | Not Employed | No | No | No |  |
| 858278 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 18815 | 7.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19694.95 | N/A | Employed |  | No |  | No |  |
| 858279 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6607.5 | 6.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10319.58 | N/A | Employed |  | No |  | No |  |
| 858280 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10405 | 6.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8107.6 | Yes | Employed |  | No |  | No |  |
| 858281 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 12027.56 | 9.692 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 51327.78 | N/A | Employed |  | No |  | No |  |
| 858282 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 5920 | 6.872 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3602.2 | N/A | Employed |  | No |  | No |  |
| 858283 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | Yes | N/A | 76408.08 | N/A | Employed |  | No |  | Yes | Present |
| 858286 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 15295 | 7.438 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6982.75 | N/A | Not Employed | Employed | No | No | No |  |
| 858294 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 11355 | 7.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12032.27 | Yes | Employed |  | No |  | No |  |
| 858295 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6978 | 7.091 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3344 | N/A | Employed |  | No |  | No |  |
| 858296 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 61588.35 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 858301 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 10441.75 | 9.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32130.96 | Yes | Employed |  | No |  | No |  |
| 858302 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | 12522.52 | Yes | Employed |  | No |  | Yes | Present |
| 858303 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 18557.5 | 6.557 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26609.01 | Yes | Retired |  | No |  | No |  |
| 858304 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 11795 | 6.967 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8867.21 | N/A | Employed |  | No |  | No |  |
| 858307 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5995 | 7.443 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 14521.59 | N/A | Employed |  | No |  | No |  |
| 858310 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8756.25 | 7.733 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13350.44 | Yes | Employed |  | No |  | No |  |
| 858312 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1500 | 6.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13392.58 | N/A | Employed |  | No |  | No |  |
| 858313 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6636.25 | 6.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5624.87 | N/A | Employed |  | No |  | No |  |
| 858314 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 12986 | 6.968 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5860.85 | N/A | Employed |  | No |  | No |  |
| 858315 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4752 | 6.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3935.96 | Yes | Employed |  | No |  | No |  |
| 858317 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 5545 | 7.177 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11139.58 | Yes | Employed |  | No |  | No |  |
| 858318 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 20695 | 6.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17591.71 | Yes | Employed |  | No |  | No |  |
| 858319 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 9110 | 7.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5321.77 | N/A | Employed |  | No |  | No |  |
| 858320 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 19935.63 | 7.573 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42363.97 | Yes | Employed |  | No |  | No |  |
| 858321 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 6420 | 7.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31258.28 | Yes | Employed |  | No |  | No |  |
| 858323 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 10563.75 | 7.56 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16685.25 | N/A | Employed | Not Employed | No | No | No |  |
| 858325 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 7295 | 6.967 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5114.48 | N/A | Employed | Not Employed | No | No | No |  |
| 858326 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 311268.59 | N/A | Employed |  | No |  | Yes | Present |
| 858327 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | 311440.52 | Yes | Employed |  | No |  | Yes | Present |
| 858328 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5995 | 6.616 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9382.55 | N/A | Employed | Not Employed | No | No | No |  |
| 858329 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 60480.87 | N/A | Employed |  | No |  | Yes | Present |
| 858331 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 9844.5 | 6.973 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8370.52 | N/A | Not Employed |  | No |  | No |  |
| 858332 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 18595 | 7.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13072.13 | N/A | Employed |  | No |  | No |  |
| 858333 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 5223.88 | 8.874 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27069.85 | N/A | Employed |  | No |  | No |  |
| 858334 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 7982.5 | 7.366 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8851.45 | N/A | Employed |  | No |  | No |  |
| 858346 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | Yes | No | No | No | No | Yes | 17198 | 7.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15865.66 | Yes | Employed |  | No |  | No |  |
| 858351 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 10220 | 7.711 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7468.49 | N/A | Employed |  | No |  | No |  |
| 858624 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1995 | 7.732 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6114.34 | Yes | Employed |  | No |  | No |  |
| 858732 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7706.8 | N/A | Employed |  | No |  | Yes | Present |
| 858734 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8200.74 | N/A | Employed |  | No |  | Yes | Present |
| 858878 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1419 | 6.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 225635.03 | Yes | Employed | Employed | No | No | No |  |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**CANOPY VALUATION REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 840062 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | xxxxxx | -.0087 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0087 | xxxxxx | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840433 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841764 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 |
| 842957 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-24-2025 |
| 842991 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.86 | 77.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845402 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.58 | 69.58 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 08-22-2025 |
| 845924 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.55 | 54.55 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-28-2025 |
| 845982 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.42 | 48.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 |
| 846785 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.17 | 17.17 | xxxxxx | xxxxxx | -.0995 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0995 | xxxxxx | Low Risk | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-26-2025 |
| 847216 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0949 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0949 | 09-10-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847714 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 847729 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.93 | 61.93 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848027 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848143 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.38 | 69.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-29-2025 |
| 848177 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.62 | 59.62 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 09-17-2025 |
| 848825 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-26-2025 |
| 848866 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 09-30-2025 |
| 849258 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-19-2025 Eligible | 1 | 11-19-2025 |
| 849267 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 849316 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 Eligible |  |  |
| 849374 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.03 | 63.03 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849392 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849523 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.98 | 69.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849532 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.21 | 73.21 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-20-2025 |
| 849588 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 |
| 849621 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.37 | 51.37 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849676 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-27-2025 |
| 849691 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 850095 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-10-2025 Eligible | 1 | 10-10-2025 |
| 850148 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 09-30-2025 |
| 850163 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.71 | 65.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850214 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 850237 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-17-2025 Eligible |  |  |
| 850254 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850260 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850479 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.33 | 61.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850482 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-09-2025 |
| 850545 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850591 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.56 | 58.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-30-2025 |
| 850669 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 Eligible | 1 | 09-24-2025 |
| 850680 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 |
| 850681 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 Eligible |  |  |
| 850756 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.13 | 41.13 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850894 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-23-2025 |
| 850896 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 850906 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850915 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-06-2025 |
| 850946 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.38 | 55.38 | xxxxxx | xxxxxx | -.0308 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0308 | xxxxxx | Moderate Risk | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 850966 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-27-2025 Eligible |  |  |
| 851063 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 851363 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.99 | 64.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851381 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.97 | 59.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 11-19-2025 |
| 851436 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851456 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.18 | 68.18 | xxxxxx | xxxxxx | -.0227 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0227 | xxxxxx | Low Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851462 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851477 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-31-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851497 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.26 | 55.26 | xxxxxx | xxxxxx | -.0702 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0702 | xxxxxx | Moderate Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851516 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.46 | 44.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 851553 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.82 | 40.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 |
| 851561 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.3 | 64.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851607 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.14 | 47.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 Eligible | 1 | 10-24-2025 |
| 851654 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.9 | 79.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-05-2025 Eligible | 1.1 | 11-05-2025 |
| 851682 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.12 | 57.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851699 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.65 | 57.65 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-22-2025 |
| 851718 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-05-2025 |
| 851744 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.53 | 74.53 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 851816 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.24 | 36.24 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 851833 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-31-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.94 | 55.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851864 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.41 | 77.41 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-06-2025 Eligible |  |  |
| 851918 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.42 | 61.42 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 10-30-2025 |
| 852039 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0674 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0674 | 94.0 | 0.06 | xxxxxx | xxxxxx | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852066 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-07-2025 |
| 852119 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.98 | 68.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852136 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-24-2025 |
| 852137 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-13-2025 |
| 852145 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.75 | 64.31 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-04-2025 |
| 852189 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0082 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0082 | 97.0 | 0.03 | xxxxxx | xxxxxx | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852194 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 Eligible | 1 | 10-27-2025 |
| 852195 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 Eligible | 1.8 | 10-22-2025 |
| 852219 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852233 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 27.78 | 27.78 | xxxxxx | xxxxxx | .0239 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0239 | 11-06-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852239 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-23-2025 | AVM |  |  |  | xxxxxx | 15.87 | 48.51 | xxxxxx | xxxxxx | .0240 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0240 | 88.0 | 0.12 | xxxxxx | xxxxxx | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852244 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-29-2025 |
| 852281 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0116 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | xxxxxx | .0116 | 10-28-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852289 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-05-2025 |
| 852297 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 Eligible |  |  |
| 852366 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0658 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0658 | 95.0 | 0.05 | xxxxxx | xxxxxx | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852428 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852442 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.15 | 64.15 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0094 | 12-02-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-25-2025 |
| 852475 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-30-2025 |
| 852480 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-24-2025 |
| 852505 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-06-2025 |
| 852553 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-31-2025 |
| 852579 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.57 | 28.57 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-25-2025 |
| 852581 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852607 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.35 | 62.35 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-02-2025 Eligible | 1 | 12-02-2025 |
| 852613 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852647 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.0 | 67.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | As Is | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 |
| 852648 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.1 | 41.1 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 852649 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852651 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852652 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.91 | 40.91 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | As-Is | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 852656 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0% | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-06-2025 |
| 852661 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | As-Is | 10-01-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1417 | xxxxxx | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852662 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 852664 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0870 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0870 | xxxxxx | Moderate Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852669 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 852671 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 852688 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-24-2025 |
| 852703 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-06-2025 |
| 852753 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 Eligible | 1 | 10-13-2025 |
| 852767 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-02-2025 |
| 852780 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.43 | 69.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 852851 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 852876 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.42 | 68.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852886 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852897 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-28-2025 |
| 852916 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.7 | 48.12 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 Eligible | 1 | 09-17-2025 |
| 852920 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852935 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-20-2025 |
| 852945 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-24-2025 Eligible |  |  |
| 852989 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-25-2025 |
| 852990 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.33 | 68.33 | xxxxxx | xxxxxx | -.0250 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0250 | xxxxxx | Moderate Risk | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852991 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852993 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 852994 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.41 | 64.41 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 852995 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 852998 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 10-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853001 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.16 | 73.16 | xxxxxx | xxxxxx | .0648 | 1025 Small Residential Income Report |  |  |  |  | xxxxxx | xxxxxx | .0648 | 10-22-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853002 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.94 | 50.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 853003 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.6 | 26.6 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-08-2025 |
| 853006 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853009 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.79 | 73.79 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853011 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 853013 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.93 | 69.93 | xxxxxx | xxxxxx | -.0397 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0397 | xxxxxx | Moderate Risk | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853020 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-10-2025 |
| 853024 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853027 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.14 | 39.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853030 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 |
| 853036 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853037 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 Eligible | 1 | 07-31-2025 |
| 853039 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 |
| 853048 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.3 | 60.3 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 853057 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 |
| 853059 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 Eligible |  |  |
| 853060 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853064 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-24-2025 Eligible |  |  |
| 853068 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 853069 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.86 | 69.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 853071 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853072 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.39 | 73.39 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853073 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.41 | 38.41 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-07-2025 |
| 853074 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853077 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.95 | 63.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853090 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-25-2025 |
| 853121 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-18-2025 Eligible | 1 | 11-18-2025 |
| 853126 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.14 | 72.14 | xxxxxx | xxxxxx | .0314 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0314 | 11-26-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853218 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853293 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.58 | 56.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853307 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853340 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 Eligible | 1 | 11-06-2025 |
| 853343 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 Eligible |  |  |
| 853377 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 853379 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-07-2025 |
| 853385 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853432 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 Eligible | 1 | 11-06-2025 |
| 853434 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-12-2025 |
| 853437 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.33 | 68.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853459 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.77 | 79.77 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 853469 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.61 | 72.61 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 09-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853472 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-21-2025 |
| 853515 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.5 | 79.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853522 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.36 | 66.36 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 |
| 853542 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.99 | 64.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-10-2025 |
| 853564 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 853566 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 853595 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 853599 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853657 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.91 | 37.91 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 |
| 853670 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 142 | 11-09-2025 |
| 853691 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-12-2025 |
| 853693 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-24-2025 Eligible | 1 | 11-24-2025 |
| 853716 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-21-2025 |
| 853766 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.0 | 43.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-03-2025 |
| 853801 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.0 | 73.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853802 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853838 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.2 | 63.2 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-24-2025 Eligible | 1 | 09-24-2025 |
| 853857 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.54 | 74.7 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-08-2025 |
| 853861 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-10-2025 |
| 853891 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853892 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.57 | 77.57 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 853929 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.99 | 64.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853930 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-14-2025 |
| 853934 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.95 | 64.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 08-19-2025 |
| 853958 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854001 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 854009 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854023 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0247 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0247 | 96.0 | 0.04 | xxxxxx | xxxxxx | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-05-2025 Eligible |  |  |
| 854094 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854133 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854140 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.65 | 58.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 Eligible | 1.7 | 12-05-2025 |
| 854143 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 19.39 | 19.39 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 Eligible |  |  |
| 854144 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.61 | 47.61 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854162 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.66 | 55.66 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 Eligible | 1 | 11-25-2025 |
| 854193 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.71 | 56.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 |
| 854216 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.7 | 37.7 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-15-2025 |
| 854252 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-24-2025 |
| 854265 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-12-2025 |
| 854307 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 11-20-2025 |
| 854352 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854356 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-11-2025 |
| 854432 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-04-2025 Eligible | 1 | 11-04-2025 |
| 854499 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-12-2025 Eligible | 1 | 12-12-2025 |
| 854501 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.96 | 33.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 854544 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-19-2025 |
| 854546 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-30-2025 |
| 854556 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-28-2025 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.33 | 77.46 | xxxxxx | xxxxxx | .0199 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0199 | 93.0 | 0.07 | xxxxxx | xxxxxx | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854559 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854571 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854575 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.8 | 73.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-11-2025 |
| 854596 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.0 | 64.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 Eligible | 1 | 11-12-2025 |
| 854599 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854609 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.67 | 44.95 | xxxxxx | xxxxxx | -.0346 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0346 | 93.0 | 0.07 | xxxxxx | xxxxxx | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 854754 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 Eligible | 1.1 | 12-11-2025 |
| 854755 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 Eligible | 1 | 10-02-2025 |
| 854761 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8.47 | 58.16 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-13-2025 Eligible |  |  |
| 854782 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 854785 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.15 | 79.15 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-15-2025 Eligible | 1.2 | 12-15-2025 |
| 854804 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.79 | 73.79 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854805 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10.81 | 46.79 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-24-2025 |
| 854807 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 27.73 | 49.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854849 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854895 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854899 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .1134 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1134 | 95.0 | 0.05 | xxxxxx | xxxxxx | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854900 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.1 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 854901 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.55 | 69.19 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-22-2025 Eligible |  |  |
| 854914 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 30.86 | 30.86 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-10-2025 |
| 854915 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.31 | 79.87 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-13-2025 |
| 854917 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 09-26-2025 |
| 854919 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-06-2025 Eligible | 1 | 12-06-2025 |
| 854921 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854928 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-05-2025 |
| 854951 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854985 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.0 | 69.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-26-2025 |
| 854992 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854996 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 23.55 | 67.41 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 855006 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 23.65 | 69.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855014 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0698 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0698 | xxxxxx | High Risk | 06-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855035 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.61 | 78.61 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 855060 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.51 | 47.51 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-30-2025 |
| 855079 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.29 | 64.29 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855113 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.3 | 46.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-29-2025 |
| 855116 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.73 | 59.34 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855132 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-02-2025 Eligible | 1 | 12-02-2025 |
| 855155 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855178 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855192 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855194 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.0 | 40.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855196 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855257 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.19 | 48.19 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 12-03-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855276 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-09-2025 Eligible | 1.1 | 12-09-2025 |
| 855289 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.99 | 56.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855292 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.95 | 45.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 855300 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 855315 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 19.61 | 76.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-22-2025 Eligible | 1 | 12-22-2025 |
| 855316 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 855320 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-02-2025 Eligible |  |  |
| 855338 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 6.7 | 81.48 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-19-2025 |
| 855343 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855345 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 855347 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 855352 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.52 | 67.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855353 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.52 | 67.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855354 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.52 | 67.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855359 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855363 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855373 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-31-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855376 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855379 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855383 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-13-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855389 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.66 | 62.66 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-03-2025 |
| 855390 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855394 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.77 | 63.77 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 855400 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855407 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.82 | 58.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855416 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 855471 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 |
| 855472 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855477 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.82 | 58.82 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 |
| 855572 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-14-2025 Eligible | 1 | 12-14-2025 |
| 855574 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.66 | 63.66 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 855576 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0084 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0084 | 12-08-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855605 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 855614 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.95 | 78.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-21-2025 Eligible | 1 | 12-23-2025 |
| 855620 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855622 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0943 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0943 | 11-17-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855642 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855644 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-02-2025 Eligible |  |  |
| 855647 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855648 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855650 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855672 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 Eligible |  |  |
| 855673 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 Eligible |  |  |
| 855750 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-15-2025 Eligible | 1 | 12-15-2025 |
| 855752 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 |
| 855753 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-05-2025 Eligible | 1 | 12-05-2025 |
| 855754 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-17-2025 Eligible | 1 | 12-17-2025 |
| 855760 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0424 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0424 | 93.0 | 0.07 | xxxxxx | xxxxxx | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 Eligible |  |  |
| 855780 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.52 | 50.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 |
| 855782 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.86 | 62.86 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 855784 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 856103 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0518 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0518 | 95.0 | 0.05 | xxxxxx | xxxxxx | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-31-2025 Eligible |  |  |
| 856109 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0764 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0764 | xxxxxx | Moderate Risk | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856143 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.82 | 67.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 12-19-2025 |
| 856163 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856226 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.56 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-02-2025 Eligible | 1 | 12-02-2025 |
| 856227 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 |
| 856229 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-12-2025 |
| 856231 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-12-2025 Eligible | 1 | 12-12-2025 |
| 856306 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-05-2026 |
| 856320 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-13-2025 | AVM |  |  |  | xxxxxx | 24.3 | 79.86 | xxxxxx | xxxxxx | -.0018 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0018 | 89.0 | 0.11 | xxxxxx | xxxxxx | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856339 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.54 | 58.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-15-2025 Eligible | 2.1 | 12-15-2025 |
| 856363 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 856391 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 13.52 | 31.58 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856393 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0619 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0619 | xxxxxx | Moderate Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856516 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 856537 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.67 | 60.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856550 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-27-2025 Eligible | 1 | 10-27-2025 |
| 856561 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12.0 | 75.53 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-09-2025 Eligible |  |  |
| 856631 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 856648 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-18-2025 | AVM |  |  |  | xxxxxx | 26.99 | 71.78 | xxxxxx | xxxxxx | .0003 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0003 | 96.0 | 0.04 | xxxxxx | xxxxxx | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856655 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.31 | 69.91 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 Eligible | 2.2 | 11-24-2025 |
| 856690 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.96 | 74.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856703 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.84 | 64.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856723 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  | xxxxxx | 0.0 | .0000 | 11-22-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856728 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0108 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0108 | 92.0 | 0.08 | xxxxxx | xxxxxx | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856747 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-30-2025 |
| 856748 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856764 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 24.61 | 76.68 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-18-2025 Eligible | 2.4 | 12-18-2025 |
| 856778 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-31-2025 |
| 856781 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.57 | 74.86 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 856785 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-25-2025 |
| 856794 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 |
| 856795 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.42 | 50.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 856816 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 27.64 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 856855 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 Eligible | 1 | 12-23-2025 |
| 856881 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856911 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856917 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856919 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.95 | 72.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856923 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-16-2025 Eligible | 1 | 12-16-2025 |
| 856939 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-14-2025 |
| 856954 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-08-2025 |
| 856960 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-07-2025 |
| 856964 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.89 | 66.51 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-05-2025 Eligible |  |  |
| 856967 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.78 | 54.09 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856978 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 856980 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-19-2025 |
| 856984 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-26-2025 |
| 856988 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.63 | 76.63 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 856990 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857008 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0909 | xxxxxx | Moderate Risk | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857010 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-26-2025 Eligible | 1 | 12-26-2025 |
| 857014 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.82 | 63.82 | xxxxxx | xxxxxx | -.0844 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0844 | xxxxxx | Moderate Risk | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857144 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-11-2025 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 19.44 | 63.37 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857147 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.48 | 43.48 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-28-2025 |
| 857164 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 857198 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 Eligible |  |  |
| 857217 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-13-2025 |
| 857232 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 Eligible | 1 | 12-04-2025 |
| 857267 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.07 | 49.07 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 857276 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-17-2025 |
| 857283 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 Eligible |  |  |
| 857310 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.8 | 62.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 857326 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-31-2025 |
| 857361 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-18-2025 Eligible |  |  |
| 857377 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 857381 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 857385 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0011 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0011 | 96.0 | 0.04 | xxxxxx | xxxxxx | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857459 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857460 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 30.58 | 30.58 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-09-2025 |
| 857461 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.96 | 44.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 |
| 857462 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.0 | 79.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 Eligible | 1 | 12-19-2025 |
| 857464 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-11-2025 |
| 857467 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-26-2025 |
| 857468 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857469 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.4 | 54.4 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857470 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 12-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-10-2025 |
| 857471 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.61 | 46.61 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0% | 11-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-02-2025 Eligible | 1.6 | 11-02-2025 |
| 857472 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.48 | 43.48 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857474 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 857477 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857478 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 Eligible |  |  |
| 857481 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 857493 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.48 | 52.48 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 857498 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 12-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-10-2025 |
| 857569 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857571 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.43 | 52.79 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857586 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.49 | 63.49 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 Eligible | 1.4 | 12-29-2025 |
| 857701 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.17 | 62.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 857705 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857734 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 Eligible |  |  |
| 857736 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857789 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.0 | 55.62 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-12-2026 |
| 857862 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.55 | 52.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857904 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857999 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.39 | 58.39 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858010 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-31-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858015 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.47 | 69.47 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858026 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 Eligible |  |  |
| 858033 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.58 | 48.58 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 858057 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-03-2026 Eligible |  |  |
| 858178 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 |
| 858252 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.41 | 69.41 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 858253 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.33 | 69.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858255 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.84 | 58.84 | xxxxxx | xxxxxx | -.0667 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0667 | xxxxxx | 12-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 |
| 858258 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-19-2025 Eligible |  |  |
| 858260 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-26-2025 Eligible |  |  |
| 858261 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0357 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0357 | xxxxxx | Moderate Risk | 11-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-18-2025 |
| 858262 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.77 | 65.77 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 Eligible | 1 | 11-19-2025 |
| 858263 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.17 | 68.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 858264 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |
| 858266 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.22 | 54.22 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 858269 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-20-2025 Eligible | 1.9 | 11-20-2025 |
| 858272 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 |
| 858274 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 858278 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 858279 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.38 | 61.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 858280 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-21-2025 |
| 858281 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 858282 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.56 | 37.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 858283 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.9 | 79.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-04-2025 Eligible | 1 | 11-04-2025 |
| 858286 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 |
| 858294 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0755 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0755 | xxxxxx | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858295 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 858296 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858301 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 858302 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858303 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-16-2025 Eligible |  |  |
| 858304 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 858307 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-11-2025 |
| 858310 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858312 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-19-2025 Eligible | 1.7 | 12-19-2025 |
| 858313 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-08-2025 Eligible |  |  |
| 858314 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-17-2025 Eligible | 1 | 12-08-2025 |
| 858315 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-09-2025 |
| 858317 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.24 | 17.24 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858318 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.59 | 55.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-13-2025 |
| 858319 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-23-2025 |
| 858320 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858321 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.72 | 51.72 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 858323 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 39.3 | 39.3 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-25-2025 |
| 858325 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 Eligible |  |  |
| 858326 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 858327 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 858328 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 |
| 858329 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | 0.0 | .0000 | 11-12-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 858331 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 |
| 858332 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858333 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-09-2025 Eligible | 1.9 | 11-28-2025 |
| 858334 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.16 | 35.16 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 Eligible | 1 | 12-18-2025 |
| 858346 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-15-2026 Eligible |  |  |
| 858351 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 858624 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 30.23 | 69.37 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-18-2025 |
| 858732 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-22-2025 |
| 858734 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-23-2025 |
| 858878 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-05-2025 |

---

## Exhibit 99.15

**EXHIBIT 99.15**

**CLARIFII LLC ("CLARIFII") EXECUTIVE SUMMARY**

![](tm267306d1_ex99-15img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2026-3**

**By Clarifii LLC on February 23, 2026**

Verus 2026-3 Due Diligence Narrative Report – PagE \| 1

![](tm267306d1_ex99-15img001.jpg)

**CLARIFII CONTACT INFORMATION**

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 434 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2026-3 transaction. The Loans referenced in this narrative report were reviewed between 08/2025 to 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 Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;122 | &nbsp;&nbsp;28.11% | &nbsp;&nbsp;$59412139.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;89 | &nbsp;&nbsp;20.51% | &nbsp;&nbsp;$60252532.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;223 | &nbsp;&nbsp;51.38% | &nbsp;&nbsp;$123431621.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**434** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$243096292.00** |

---

The Review consisted of a population of 434 Loans, with an aggregate principal balance of $243,096,292.00.

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

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

**LOAN SAMPLING**

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

Verus 2026-3 Due Diligence Narrative Report – PagE \| 2

![](tm267306d1_ex99-15img001.jpg)

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap |
| &nbsp;&nbsp;ARM Subsequent Payment Change Frequency |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |

---

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

![](tm267306d1_ex99-15img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;Borrower 1 Race - Chinese |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Date Last Rate Was Set |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Final Qualifying Property Value |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Index Lookback Period |
| &nbsp;&nbsp;Index Rounding Factor |
| &nbsp;&nbsp;Initial Interest Rate |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |

---

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

![](tm267306d1_ex99-15img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Liquid Funds Post-Close |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Tax Indicator |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |

---

Verus 2026-3 Due Diligence Narrative Report – PagE \| 5

![](tm267306d1_ex99-15img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

Verus 2026-3 Due Diligence Narrative Report – PagE \| 6

![](tm267306d1_ex99-15img001.jpg)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

Verus 2026-3 Due Diligence Narrative Report – PagE \| 7

![](tm267306d1_ex99-15img001.jpg)

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

- the guidelines

Verus 2026-3 Due Diligence Narrative Report – PagE \| 8

![](tm267306d1_ex99-15img001.jpg)

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**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)

Verus 2026-3 Due Diligence Narrative Report – PagE \| 9

![](tm267306d1_ex99-15img001.jpg)

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission**

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

**Qualified Mortgage and Ability to Repay**

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

Verus 2026-3 Due Diligence Narrative Report – PagE \| 10

![](tm267306d1_ex99-15img001.jpg)

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

- 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)

Verus 2026-3 Due Diligence Narrative Report – PagE \| 11

![](tm267306d1_ex99-15img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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.

Verus 2026-3 Due Diligence Narrative Report – PagE \| 12

![](tm267306d1_ex99-15img001.jpg)

- 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.

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

Verus 2026-3 Due Diligence Narrative Report – PagE \| 13

![](tm267306d1_ex99-15img001.jpg)

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

*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.

Verus 2026-3 Due Diligence Narrative Report – PagE \| 14

![](tm267306d1_ex99-15img001.jpg)

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

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

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **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.

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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

Verus 2026-3 Due Diligence Narrative Report – PagE \| 15

![](tm267306d1_ex99-15img001.jpg)

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – <br> No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA <br> or Acceptable <br> UCDP Risk Score** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;207 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;202 |
| &nbsp;&nbsp;Field Review/2055 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Enhanced Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 |

---

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

**DUE DILIGENCE GRADING CRITERIA**

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

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

**Final Event Grade**

---

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

---

Verus 2026-3 Due Diligence Narrative Report – PagE \| 16

![](tm267306d1_ex99-15img001.jpg)

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

**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. |

---

Verus 2026-3 Due Diligence Narrative Report – PagE \| 17

![](tm267306d1_ex99-15img001.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;307 | &nbsp;&nbsp;70.74% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;127 | &nbsp;&nbsp;29.26% |
| &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;**434** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;384 | &nbsp;&nbsp;88.48% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;50 | &nbsp;&nbsp;11.52% |
| &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;**434** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;432 | &nbsp;&nbsp;99.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.46% |
| &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;**434** | &nbsp;&nbsp;**100.00%** |

---

Verus 2026-3 Due Diligence Narrative Report – PagE \| 18

![](tm267306d1_ex99-15img001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;354 | &nbsp;&nbsp;81.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;80 | &nbsp;&nbsp;18.43% |
| &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;**434** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.69% | &nbsp;&nbsp;$3586500.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;431 | &nbsp;&nbsp;99.31% | &nbsp;&nbsp;$239509792.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**434** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$243096292.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;250 | &nbsp;&nbsp;57.60% | &nbsp;&nbsp;$159655702.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;15 | &nbsp;&nbsp;3.46% | &nbsp;&nbsp;$8240100.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;169 | &nbsp;&nbsp;38.94% | &nbsp;&nbsp;$75200490.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**434** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$243096292.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;226 | &nbsp;&nbsp;52.07% | &nbsp;&nbsp;$115502955.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;208 | &nbsp;&nbsp;47.93% | &nbsp;&nbsp;$127593337.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**434** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$243096292.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;395 | &nbsp;&nbsp;91.01% | &nbsp;&nbsp;$233019454.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;39 | &nbsp;&nbsp;8.99% | &nbsp;&nbsp;$10076838.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**434** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$243096292.00** |

---

Verus 2026-3 Due Diligence Narrative Report – PagE \| 19

![](tm267306d1_ex99-15img001.jpg)

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;300 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% | &nbsp;&nbsp;$229000.00 |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.69% | &nbsp;&nbsp;$1409800.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;$8843750.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;416 | &nbsp;&nbsp;95.85% | &nbsp;&nbsp;$231940892.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.92% | &nbsp;&nbsp;$547850.00 |
| &nbsp;&nbsp;120 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.23% | &nbsp;&nbsp;$125000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**434** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$243096292.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;76.92% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Payment Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;416 | &nbsp;&nbsp;98.08% |

---

Verus 2026-3 Due Diligence Narrative Report – PagE \| 20

![](tm267306d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;422 | &nbsp;&nbsp;98.82% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;3 | &nbsp;&nbsp;234 | &nbsp;&nbsp;98.72% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;42 | &nbsp;&nbsp;90.48% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;57 | &nbsp;&nbsp;77.19% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;30 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Date Last Rate Was Set | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Final Qualifying Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;120 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |

---

Verus 2026-3 Due Diligence Narrative Report – PagE \| 21

![](tm267306d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;373 | &nbsp;&nbsp;99.73% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;6 | &nbsp;&nbsp;423 | &nbsp;&nbsp;98.58% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;373 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Liquid Funds Post-Close | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;12 | &nbsp;&nbsp;415 | &nbsp;&nbsp;97.11% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;425 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;2 | &nbsp;&nbsp;398 | &nbsp;&nbsp;99.50% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;425 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;71 | &nbsp;&nbsp;97.18% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;49 | &nbsp;&nbsp;95.92% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;363 | &nbsp;&nbsp;99.72% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;4 | &nbsp;&nbsp;416 | &nbsp;&nbsp;99.04% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;420 | &nbsp;&nbsp;99.76% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;382 | &nbsp;&nbsp;99.21% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;80 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;12 | &nbsp;&nbsp;424 | &nbsp;&nbsp;97.17% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;4 | &nbsp;&nbsp;421 | &nbsp;&nbsp;99.05% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Tax Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;423 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;84 | &nbsp;&nbsp;376 | &nbsp;&nbsp;77.66% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;422 | &nbsp;&nbsp;99.76% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

Verus 2026-3 Due Diligence Narrative Report – PagE \| 22

![](tm267306d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;350 | &nbsp;&nbsp;99.14% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;10 | &nbsp;&nbsp;401 | &nbsp;&nbsp;97.51% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;10 | &nbsp;&nbsp;382 | &nbsp;&nbsp;97.38% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;331 | &nbsp;&nbsp;99.09% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;10 | &nbsp;&nbsp;410 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;62 | &nbsp;&nbsp;320 | &nbsp;&nbsp;80.63% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;19 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;28 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;176 | &nbsp;&nbsp;99.43% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;3 | &nbsp;&nbsp;204 | &nbsp;&nbsp;98.53% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;331 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;390 | &nbsp;&nbsp;99.23% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |

---

**TAX AND TITLE REVIEW (1 Mortgage Loan)**

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

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

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

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

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

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

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

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

Verus 2026-3 Due Diligence Narrative Report – PagE \| 23

![](tm267306d1_ex99-15img001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

1. Narrative Report/Executive Summary

2. Attestation Forms

3. ASF Report

4. Rating Agency Grade Detail and Summary Report

5. Data Compare Report

6. Valuations Report

7. Rating Agency ATR/QM Report

8. Supplement Data Extract

9. Business Purpose Supplement Data Extract Report

10. Multi-Property Data Extract Report

11. Rating Agency Multi-Property Valuation Report

12. Tax and Title Report

**Disclaimer**

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

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

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

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

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

Verus 2026-3 Due Diligence Narrative Report – PagE \| 24

## Exhibit 99.16

**EXHIBIT 99.16**

**CLARIFII RATING AGENCY GRADES DETAIL REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 844196 | xxxxxx C A | Closed | xxxxxx | 2025-10-30 13:06 | 2025-11-04 10:05 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/04/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description attached to mortgage. - Due Diligence Vendor-10/30/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/04/2025<br>| Months Reserves exceed minimum required - The Borrower has 126 months in reserves; guideline minimum is 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score is 732; guideline minimum is 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845977 | xxxxxx B A | Closed | xxxxxx | 2025-12-09 16:12 | 2025-12-09 16:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-12/09/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception Approved: exception to the housing history as the borrower is currently living with her spouse: Non-Material, Overlay - Due Diligence Vendor-12/09/2025 |  | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-12/09/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 64.38 Required is 75 Borrower has 64.38<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 Required is 660 Borrower has 796 | -Reserves exceed requirement by 10 months or more<br> - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 847533 | xxxxxx C A | Closed | xxxxxx | 2025-11-07 14:59 | 2025-11-13 15:42 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-EIN number provided. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-The Business Entity Formation Document is incomplete File is missing verification of EIN # for Business Entity - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-EIN number provided. - Due Diligence Vendor-11/13/2025<br>| Months Reserves exceed minimum required - 115.32 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847737 | xxxxxx D A C | Closed | xxxxxx | 2025-09-18 10:32 | 2026-01-12 08:44 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025 <br> Counter-Client Comments - We provided the 2023 Transcripts in the loan file and support the 2023 1040s in file. The Sch E matches the 1120S returns AND the Sch C doesnt belong to our Borrower - AUDIT response - 2023 1040 was not located in the loan file.<br> - Due Diligence Vendor-11/14/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing the 2023 1040 tax returns to coincide with the 2023 business returns and 2023 tax transcripts. - Due Diligence Vendor-09/18/2025 |  | Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025<br>| Months Reserves exceed minimum required - 35.86mos reserves. Per guides, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 729. Per guide, a minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847737 | xxxxxx D A C | Closed | xxxxxx | 2025-09-18 10:27 | 2025-11-18 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025 <br> Counter-Client Comments - We provided the 2023 Transcripts in the loan file and support the 2023 1040s in file. The Sch E matches the 1120S returns AND the Sch C doesnt belong to our Borrower - AUDIT response - 2023 1040 was not located in the loan file. <br> - Due Diligence Vendor-11/14/2025 <br> Open-Borrower 1 Personal Tax Returns Missing Missing the 2023 1040 tax returns to coincide with the 2023 business returns and 2023 tax transcripts. - Due Diligence Vendor-09/18/2025 |  | Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025<br>| Months Reserves exceed minimum required - 35.86mos reserves. Per guides, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 729. Per guide, a minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847737 | xxxxxx D A C | Closed | xxxxxx | 2025-09-16 19:59 | 2025-11-14 11:03 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Upon further review, the lower 2055 value was used for approval as required by the guidelines. - Due Diligence Vendor-11/14/2025 <br> Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-10.71'. Maximum value variance 10% between appraisal and secondary review product. Guide does not specifically state the lower secondary value can be used or that a 2055 exterior only product is acceptable. - Due Diligence Vendor-09/19/2025 |  | Resolved-Upon further review, the lower 2055 value was used for approval as required by the guidelines. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - 35.86mos reserves. Per guides, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 729. Per guide, a minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847879 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 07:28 | 2025-11-05 14:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-DSCR less than 1 - Max LTV on Purchase with DSCR less than 1 is 65%. 10/20/25-variance allows for 70% ltv DSCR<1- - Due Diligence Vendor-11/05/2025 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% - Due Diligence Vendor-10/29/2025 |  | Resolved-DSCR less than 1 - Max LTV on Purchase with DSCR less than 1 is 65%. 10/20/25-variance allows for 70% ltv DSCR<1- - Due Diligence Vendor-11/05/2025<br>| LTV is less than guideline maximum - Max LTV 75% / Subject LTV 70%<br>Months Reserves exceed minimum required - 6 months reserves required / Borrower reserves 18.45 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847879 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 07:42 | 2025-11-05 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-11/05/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-10/29/2025 |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-11/05/2025<br>| LTV is less than guideline maximum - Max LTV 75% / Subject LTV 70%<br>Months Reserves exceed minimum required - 6 months reserves required / Borrower reserves 18.45 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848330 | xxxxxx C B A | Closed | xxxxxx | 2025-11-10 15:42 | 2025-11-12 09:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx vested in an LLC. - Due Diligence Vendor-11/12/2025 <br> Open-Prepayment Penalty is not allowed. Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. <br> - Due Diligence Vendor-11/10/2025 |  | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx vested in an LLC. - Due Diligence Vendor-11/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Fico is 757. 700 required.<br>Months Reserves exceed minimum required - 61.44 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 848397 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 16:15 | 2025-11-13 16:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 38.34 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/04/2025 <br> Open-Audited Reserves of 5.17 month(s) are less than Guideline Required Reserves of 6 month(s) Lower balance is on history printed from 9/11/25 to support payments for the new commercial lease. Provide adequate assets to support 6 months of reserves. - Due Diligence Vendor-11/03/2025 |  | Resolved-Audited Reserves of 38.34 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/04/2025<br>| Long term residence - Long Term Residence = 7+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848397 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 14:23 | 2025-11-13 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-After further review, the loan agreement is not required. - Due Diligence Vendor-11/04/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Provide fully executed loan agreement/term sheet - Due Diligence Vendor-11/03/2025 |  | Resolved-After further review, the loan agreement is not required. - Due Diligence Vendor-11/04/2025<br>| Long term residence - Long Term Residence = 7+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848397 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 11:49 | 2025-11-13 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-11/13/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing business purpose disclosure - Due Diligence Vendor-11/04/2025 |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-11/13/2025<br>| Long term residence - Long Term Residence = 7+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848397 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 11:49 | 2025-11-13 10:21 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Lender confirmed the EIN not required, single member entity. - Due Diligence Vendor-11/04/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN Number - Due Diligence Vendor-11/04/2025 |  | Resolved-Lender confirmed the EIN not required, single member entity. - Due Diligence Vendor-11/04/2025<br>| Long term residence - Long Term Residence = 7+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848397 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 15:24 | 2025-11-04 16:57 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/04/2025 <br> Open-Fraud Report Shows Uncleared Alerts All high alerts to be cleared. - Due Diligence Vendor-11/03/2025 |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/04/2025<br>| Long term residence - Long Term Residence = 7+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848397 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 15:35 | 2025-11-04 16:36 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-After further review, a cash out letter is not required. - Due Diligence Vendor-11/04/2025 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Provide cash out letter<br> - Due Diligence Vendor-11/03/2025 |  | Resolved-After further review, a cash out letter is not required. - Due Diligence Vendor-11/04/2025<br>| Long term residence - Long Term Residence = 7+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848494 | xxxxxx C B A | Closed | xxxxxx | 2025-10-29 08:41 | 2025-10-29 08:44 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client exception granted to allow cash out does not meet seasoning . Non-material waiver applied with comp factors. Deemed non-material due to only 4 months shy of requirement. - Due Diligence Vendor-10/29/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Cash out using appraised value for property owned only 8 months does not meet 12 months - Due Diligence Vendor-10/29/2025 |  | Waived-Client exception granted to allow cash out does not meet seasoning . Non-material waiver applied with comp factors. Deemed non-material due to only 4 months shy of requirement. - Due Diligence Vendor-10/29/2025<br>| On time mortgage history exceeds guideline requirement - 18+ years on time primary home<br>LTV is less than guideline maximum - LTV 32.46% LTV. Allowed 70% | 1. Qualifying FICO score 676; guidelines require 660. 2. LTV 32.46% LTV. Allowed 70% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 848536 | xxxxxx C B A | Closed | xxxxxx | 2025-11-25 09:04 | 2026-02-10 13:47 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/10/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal to the Mortgage - Due Diligence Vendor-11/25/2025 |  | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/10/2026<br>| Months Reserves exceed minimum required - 10.13 months reserves exceed required 3 by 7.13 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 738 is higher than the required 660. Required is 700 Borrower has 738 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848536 | xxxxxx C B A | Closed | xxxxxx | 2025-11-25 09:32 | 2025-12-04 12:40 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-02/10/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. No Cashout letter was provided - Due Diligence Vendor-11/25/2025 |  | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-02/10/2026<br>| Months Reserves exceed minimum required - 10.13 months reserves exceed required 3 by 7.13 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 738 is higher than the required 660. Required is 700 Borrower has 738 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848536 | xxxxxx C B A | Closed | xxxxxx | 2025-11-25 09:28 | 2025-11-26 10:55 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client exception granted to allow Perm Resident on a C10 Visa, Non-material waiver applied with comp factors. - Due Diligence Vendor-02/10/2026 <br> Open-Lenders Exception pg1<br> Borrower is perm resident alien on C10 Visa- xxxxxx does not allow<br> - Due Diligence Vendor-11/25/2025 |  | Waived-Client exception granted to allow Perm Resident on a C10 Visa, Non-material waiver applied with comp factors. - Due Diligence Vendor-02/10/2026<br>| Months Reserves exceed minimum required - 10.13 months reserves exceed required 3 by 7.13 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 738 is higher than the required 660. Required is 700 Borrower has 738 | Comps FICO 737, C/O-70%, Reserves | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 848661 | xxxxxx D A | Closed | xxxxxx | 2025-11-10 09:06 | 2025-11-19 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received Milestone Inspection. - Due Diligence Vendor-11/19/2025 <br> Counter-Received duplicate milestone inspection-photos are not legible. - Due Diligence Vendor-11/14/2025 <br> Open-Structural report photos pg 720 - 772 are not legible. - Due Diligence Vendor-11/10/2025 |  | Resolved-Received Milestone Inspection. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - Reserves = 8.49 months – Required Reserves = 2 Months<br>DSCR % greater than 1.20 - 1.26 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848661 | xxxxxx D A | Closed | xxxxxx | 2025-11-10 08:47 | 2025-11-14 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/14/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Required on DSCR - Due Diligence Vendor-11/10/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Reserves = 8.49 months – Required Reserves = 2 Months<br>DSCR % greater than 1.20 - 1.26 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849042 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 11:12 | 2025-11-10 14:00 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received flood cert reflecting subject not in flood zone. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/10/2025 <br> Open-Flood Certification Date is greater than xxxxxx Flood Certification Date xxxxxx is greater than xxxxxx. - Due Diligence Vendor-10/30/2025 |  | Resolved-Received flood cert reflecting subject not in flood zone. - Due Diligence Vendor-11/10/2025<br>| LTV is less than guideline maximum - LTV 70% LTV. Allowed 75%<br>Months Reserves exceed minimum required - 24 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849042 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 11:06 | 2025-10-30 13:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Client exception granted to allow Non-Arms length transaction, Non-materialwaiver applied with comp factors. non-material due to no interest - Due Diligence Vendor-10/30/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program The borrower currently occupies the subject property as a tenant. They recently purchased another property on the same street and will be moving into the other property xxxxxx. The subject will be utilized as an investment property.<br> - Due Diligence Vendor-10/30/2025 |  | Waived-Client exception granted to allow Non-Arms length transaction, Non-materialwaiver applied with comp factors. non-material due to no interest - Due Diligence Vendor-10/30/2025<br>| LTV is less than guideline maximum - LTV 70% LTV. Allowed 75%<br>Months Reserves exceed minimum required - 24 months reserves; 6 months reserves required. | 1. LTV 70% LTV. Allowed 75%. 2. 24 months reserves; 6 months reserves required. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849075 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 14:43 | 2025-11-24 08:57 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received final title policy confirming exceptions removed - Due Diligence Vendor-11/24/2025 <br> Counter-Received T-3 Endorsement. Missing confirmation of coverage for T, and bb noted in previous finding. - Due Diligence Vendor-11/20/2025 <br> Counter-For (3) Exceptions are not encroachments-Provide confirmation from title or closing attorney T-19 covers the exceptions noted for Schedule B #10 sub-sections s, t, x, y, z, and bb-noted as not covered survey exception. Received 1 & 2. - Due Diligence Vendor-10/31/2025 <br> Open-Property Title Issue (1) Title ICL's reflect addresses that differ from public records for P3, P4, and P5 (should reflect P3 only 612, P4 only no A&B, and P5 only 1722). Per email from title company they must reflect as shown on CAD. <br> (2) Missing T-47 affidavit for dated survey on all 5 properties. Closing Affidavit provided shows #1 initialed where borrower has received a new survey, #3 is blank but details that a T-47 must still be provided if selected. <br> (3) title offers no coverage for Schedule B #10 sub-sections s, t, x, y, z, and bb. Per guides (opening paragraph) guides are supplement to xxxxxx. Per xxxxxx B7-2-05 they will not purchase or securitize a loan with survey exceptions. (Appraiser gave fences value.) <br> (4) Additional findings may apply. - Due Diligence Vendor-10/14/2025 |  | Resolved-Received final title policy confirming exceptions removed - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776; minimum required 700<br>Months Reserves exceed minimum required - Qualifying reserves 68 months; minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849075 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 14:09 | 2025-11-12 11:28 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received confirmation of APN considered. - Due Diligence Vendor-11/12/2025 <br> Counter-Received confirmation property addresses are correct-remaining items missing-(1) For P1, P2, P3, and P5 the APN used by the Appraiser is the property's Geo Reference ID and should be Site/Account Number to match title and tax. (3) For P3 - Appraiser states no updates and that property is in average condition but gives a C3 rating with no condition adjustments applied to any comp. Per CDA reviewer property views local traffic and commercial use and appraiser has not commented or adjusted. Additionally, CDA reviewer has commented that the final opinion of value is on the high end of reasonable. Market Conditions addendum also shows a decline in values with page 1 noted as stable and all comps are from the higher period with no adjustments. Appraiser to comment and support. (4) Additional findings may apply. - Due Diligence Vendor-10/24/2025 <br> Open-(1) For P1, P2, P3, and P5 the APN used by the Appraiser is the property's Geo Reference ID and should be Site/Account Number to match title and tax. <br> (2) For P3, and P5 the property addresses do not match the legal address as reflected in public records (P3 only 612 and P5 only 1722). <br> (3) For P3 - Appraiser states no updates and that property is in average condition but gives a C3 rating with no condition adjustments applied to any comp. Per CDA reviewer property views local traffic and commercial use and appraiser has not commented or adjusted. Additionally, CDA reviewer has commented that the final opinion of value is on the high end of reasonable. Market Conditions addendum also shows a decline in values with page 1 noted as stable and all comps are from the higher period with no adjustments. Appraiser to comment and support. <br> (4) Additional findings may apply. - Due Diligence Vendor-10/14/2025 |  | Resolved-Received confirmation of APN considered. - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776; minimum required 700<br>Months Reserves exceed minimum required - Qualifying reserves 68 months; minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849075 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 15:16 | 2025-11-07 16:50 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received worksheet reflects allocated loan amount in whole dollar amount and matches loan agreement. - Due Diligence Vendor-11/07/2025 <br> Counter-Review did not receive upload-please re upload. - Due Diligence Vendor-11/07/2025 <br> Counter-Received worksheet reflect allocated loan amount not in whole dollars. Provide updated worksheet reflecting allocated whole dollar loan amounts to match final loan agreement-rounding must be applied on worksheet for final allocation amount. - Due Diligence Vendor-11/06/2025 <br> Counter-Provide updated worksheet reflecting allocated whole dollar loan amounts to match final loan agreement-rounding must be applied on worksheet for final allocation amount. - Due Diligence Vendor-10/31/2025 <br> Open-Allocated loan amounts provided and used by Originator are not whole dollar amounts resulting in a release price that is not a whole dollar amount and does not match the Loan Agreement. - Due Diligence Vendor-10/14/2025 |  | Resolved-Received worksheet reflects allocated loan amount in whole dollar amount and matches loan agreement. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776; minimum required 700<br>Months Reserves exceed minimum required - Qualifying reserves 68 months; minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849075 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 14:57 | 2025-11-06 11:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Asset summary report. - Due Diligence Vendor-11/06/2025 <br> Counter-Please provide an Asset Summary Report disclosing the tax liens. - Due Diligence Vendor-10/30/2025 <br> Counter-Received LOE liens were unknown to the borrower-must provide validation of current balance owing to confirm meets guidelines. Finding remains. - Due Diligence Vendor-10/24/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing documentation to show all 6 tax liens reporting on the Background Report were resolved prior to closing. These items were not paid at closing. - Due Diligence Vendor-10/14/2025 |  | Resolved-Received Asset summary report. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776; minimum required 700<br>Months Reserves exceed minimum required - Qualifying reserves 68 months; minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849075 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 15:02 | 2025-10-31 11:18 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received purpose of cash out - Due Diligence Vendor-10/31/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Missing letter of explanation for cash-out purpose. Required per Addendum 1. Application provided is blank. Additional findings may apply. - Due Diligence Vendor-10/14/2025 |  | Resolved-Received purpose of cash out - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776; minimum required 700<br>Months Reserves exceed minimum required - Qualifying reserves 68 months; minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849075 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 14:53 | 2025-10-30 11:48 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received 12 month payment history - Due Diligence Vendor-10/30/2025 <br> Counter-Statements received do not support 12 month payment history - provide acceptable VOM or credit supplement. Finding remains. - Due Diligence Vendor-10/24/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Missing letter of explanation for regular payments posted 09/02/25 for 8 months (Feb-Sep) on the October mortgage statement for xxxxxx whose last four digits are xxxxxx. Mortgage history shows payments on time but October statement shows back pay posted 09/02/25. Credit report showed suppressed trade last reported 11/04/24 which is why it was documented. Unable to determine if borrower suffered a hardship/modification. Additional findings may apply. - Due Diligence Vendor-10/14/2025 |  | Resolved-Received 12 month payment history - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776; minimum required 700<br>Months Reserves exceed minimum required - Qualifying reserves 68 months; minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849075 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 12:17 | 2025-10-28 18:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Final loan application provided meeting guidelines. - Due Diligence Vendor-10/28/2025 <br> Counter-Received loan application. Application provided did not answer all questions on standard 1003. 1. Is borrower currently renting or own. 2 How many years at current address? All Declaration questions were not included from standard 1003. - Due Diligence Vendor-10/27/2025 <br> Open-Missing final application. Required per Addendum 1. Application provided is signed by the borrower but is otherwise incomplete. Additional findings may apply. - Due Diligence Vendor-10/14/2025 |  | Resolved-Final loan application provided meeting guidelines. - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776; minimum required 700<br>Months Reserves exceed minimum required - Qualifying reserves 68 months; minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849075 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 14:08 | 2025-10-24 11:19 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received confirmation of addresses from title-Note and Dot are correct. - Due Diligence Vendor-10/24/2025 <br> Open-The Note and Deed of Trust reflect addresses that differ from public records for P3, P4, and P5 (should reflect P3 only 612, P4 only no A&B, and P5 only 1722). - Due Diligence Vendor-10/14/2025 |  | Resolved-Received confirmation of addresses from title-Note and Dot are correct. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 776; minimum required 700<br>Months Reserves exceed minimum required - Qualifying reserves 68 months; minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849174 | xxxxxx C A | Closed | xxxxxx | 2025-11-04 10:53 | 2025-12-11 11:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received PPP Addendum to Note. - Due Diligence Vendor-12/11/2025 <br> Counter-Received PPP Rider for DOT. Missing PPP Addendum for Note - Due Diligence Vendor-12/10/2025 <br> Counter-Provide fully executed prepayment penalty addendum - Due Diligence Vendor-11/13/2025 <br> Open-There are Issues Present on the Note that must be addressed. Missing required Prepayment Addendum. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received PPP Addendum to Note. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score requirement is 640 and the borrower's fico score is 788. <br>Months Reserves exceed minimum required - The required reserves is 2 months and the borrower has over 31 months verified. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849174 | xxxxxx C A | Closed | xxxxxx | 2025-11-04 11:04 | 2025-12-10 11:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received PPP Rider for DOT. - Due Diligence Vendor-12/11/2025 <br> Counter-Provide fully executed prepayment rider and evidence of intent to re record. - Due Diligence Vendor-11/13/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required Prepayment Rider. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received PPP Rider for DOT. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score requirement is 640 and the borrower's fico score is 788. <br>Months Reserves exceed minimum required - The required reserves is 2 months and the borrower has over 31 months verified. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849281 | xxxxxx C A | Closed | xxxxxx | 2025-10-10 09:17 | 2025-11-07 17:10 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received updated appraisal and Appraiser has addressed the Parcels. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Counter-Received both tax certs. Missing: appraiser did not confirm contiguous, not likely to be split and confirmation all improvements are on 1 parcel. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/27/2025 <br> Counter-Received revised appraisal reflecting 2nd parcel number-appraiser did not confirm contiguous, not likely to be split and confirmation all improvements are on 1 parcel. Missing tax cert for 2nd parcel. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. two parcels - Seller-10/21/2025 <br> Open-Property Title Issue-Title to address that title commitment notes 2 parcels, xxxxxx and xxxxxx. However, tax notice on PDF 208 notes only Parcel xxxxxx. Missing confirmation of accurate parcel. Appraisal notes xxxxxx only. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-10/27/2025 <br>Ready for Review-Document Uploaded. two parcels - Seller-10/21/2025<br>| Resolved-Received updated appraisal and Appraiser has addressed the Parcels. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - 94.25 months PITIA reserves; 2 months reserves required.<br>LTV is less than guideline maximum - LTV 50% max 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849281 | xxxxxx C A | Closed | xxxxxx | 2025-10-10 09:56 | 2025-10-15 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOM for primary provided. - Due Diligence Vendor-10/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements-Missing 12-month mortgage payment history for primary meeting guideline. VOM provided so illegible cant verify if this for primary. Please provide legible VOM for primary and reference the acct number . - Due Diligence Vendor-10/10/2025 |  | Resolved-VOM for primary provided. - Due Diligence Vendor-10/15/2025<br>| Months Reserves exceed minimum required - 94.25 months PITIA reserves; 2 months reserves required.<br>LTV is less than guideline maximum - LTV 50% max 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849378 | xxxxxx D A | Closed | xxxxxx | 2026-01-15 22:00 | 2026-01-27 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Borrower 1 CPA Letter - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/27/2026 <br> Open-Borrower 1 CPA Letter Missing The CPA Letter states the borrower is 100% owner of his business but failed to verify the borrower has owned his business for a minimum of 24 months. Lender to provide an updated CPA letter confirming at least 24 months of self-employment or provide alternative documentation verifying the borrower's business has been operational for a minimum of 2 years. Additional conditions may apply. - Due Diligence Vendor-01/16/2026 |  | Resolved-Received Borrower 1 CPA Letter - Due Diligence Vendor-01/27/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x25 mos mortgage history. Guides allow up to 1x30x12 months.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.11 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849405 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 16:10 | 2025-11-18 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Property profile and operating agreement provided to confirm the borrower is an experienced investor since xxxxxx. - Due Diligence Vendor-11/18/2025 <br> Open-First-time homebuyers are not eligible. A first-time homebuyer is defined as a borrower who has not owned a residential property at any time during the prior three years - Due Diligence Vendor-10/30/2025 |  | Resolved-Property profile and operating agreement provided to confirm the borrower is an experienced investor since xxxxxx. - Due Diligence Vendor-11/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO allowed is 700 - actual FICO is 746<br>Months Reserves exceed minimum required - Required reserves is 12 months - actual reserves is 15.69 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849405 | xxxxxx C B A | Closed | xxxxxx | 2025-10-29 14:34 | 2025-11-18 11:50 | Resolved | 1 - Information C A | Credit | Borrower | First time Home-Buyer but Mtg on credit history | Resolved-Property profile and operating agreement provided to confirm the borrower is an experienced investor since xxxxxx. - Due Diligence Vendor-11/18/2025 <br> Counter-Received rent free letter that does not reflect time living in addresses nor relationship. Finding remains: First time home buyer not allowed per guidelines. - Due Diligence Vendor-11/06/2025 <br> Open-First time home buyer not allowed per guidelines. - Due Diligence Vendor-10/29/2025 |  | Resolved-Property profile and operating agreement provided to confirm the borrower is an experienced investor since xxxxxx. - Due Diligence Vendor-11/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO allowed is 700 - actual FICO is 746<br>Months Reserves exceed minimum required - Required reserves is 12 months - actual reserves is 15.69 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849405 | xxxxxx C B A | Closed | xxxxxx | 2025-10-29 14:11 | 2025-11-18 11:48 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Updated rent free letter provided. - Due Diligence Vendor-11/18/2025 <br> Counter-Received rent free letter - letter does not provide dates, reflects multiple addresses and does not indicate relationship. Missing 12 month rental history from primary residence. - Due Diligence Vendor-11/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month rental history from primary residence. - Due Diligence Vendor-10/29/2025 |  | Resolved-Updated rent free letter provided. - Due Diligence Vendor-11/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO allowed is 700 - actual FICO is 746<br>Months Reserves exceed minimum required - Required reserves is 12 months - actual reserves is 15.69 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849405 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 15:50 | 2025-10-30 16:32 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-11/04/2025 <br> Open-Permitted only on C-Corp and S-Corp legal entities\*\*\*This new rule applies to loans with a Note date AFTER xxxxxx - Due Diligence Vendor-10/30/2025 |  | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO allowed is 700 - actual FICO is 746<br>Months Reserves exceed minimum required - Required reserves is 12 months - actual reserves is 15.69 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 849507 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849557 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849558 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 11:16 | 2025-11-11 09:43 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation second mortgage is paid current within 45 days of application. - Due Diligence Vendor-11/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing updated pay history for the second mortgage on the borrower's primary residence. Last reported 08/31/2025. - Due Diligence Vendor-10/30/2025 |  | Resolved-Received confirmation second mortgage is paid current within 45 days of application. - Due Diligence Vendor-11/11/2025<br>| DSCR % greater than 1.20 - DSCR 1.507<br>Months Reserves exceed minimum required - Reserves = 15.11 months – Required Reserves = 2 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849558 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 14:42 | 2025-10-30 14:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material with comp factors. Appraisal comparables used are similar to subject property and support value and no impact to marketability. - Due Diligence Vendor-02/10/2026 <br> Open-EXCEPTION in file: xxxxxx with permitted ADU<br> - Due Diligence Vendor-10/30/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material with comp factors. Appraisal comparables used are similar to subject property and support value and no impact to marketability. - Due Diligence Vendor-02/10/2026<br>| DSCR % greater than 1.20 - DSCR 1.507<br>Months Reserves exceed minimum required - Reserves = 15.11 months – Required Reserves = 2 Months | DSCR > 1.3<br> Credit Score 30+ points > minimum required<br> Subject property home ownership > 10 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849608 | xxxxxx C B A | Closed | xxxxxx | 2025-10-16 15:21 | 2025-11-17 16:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator provided a exception for escrow waiver of FN , applied to non material finding with comp factors - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Open-Per matrix an exception is required for escrow waivers on Foreign National loans. The loan has an escrow waiver but there is no exception approval in the loan file. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Waived-Originator provided a exception for escrow waiver of FN , applied to non material finding with comp factors - Due Diligence Vendor-11/17/2025 | LTV is less than guideline maximum - LTV 48% ; max LTV 75%.<br>Months Reserves exceed minimum required - 15.24 months PITIA reserves; 6 months reserves required. | 48 LTV<br> Reserves 6 months greater than minimum | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 849625 | xxxxxx C B A | Closed | xxxxxx | 2025-12-01 17:12 | 2025-12-04 12:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for insufficient guideline, applied to non material finding with comp factors - Due Diligence Vendor-12/04/2025 <br> Open-Audited Reserves of 1.06 month(s) are less than Guideline Required Reserves of 2 month(s) Provide Clearance of EMD. Audited Reserves of 1.06 month(s) are less than Guideline Required Reserves of 2 month(s). Unable to determine if EMD in the amount of $5,000 has cleared. - Due Diligence Vendor-12/01/2025 |  | Waived-Client provided a waiver for insufficient guideline, applied to non material finding with comp factors - Due Diligence Vendor-12/04/2025<br>| Credit history exceeds minimum required - The Borrower has had 0x30 for more than 12 months on the Consumer Credit History.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR Required is 0.75 Borrower has 1.486. Required is 0.75 Borrower has 1.486<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 702 Required is 640 Borrower has 702 | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DSCR > 1.3 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849630 | xxxxxx D A | Closed | xxxxxx | 2025-10-09 07:55 | 2026-02-03 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan has escrow holdback. No proof it was released provided in file | Resolved-Document Uploaded. - Final title policy, evidence of escrow hold release and 1004D showing repairs completed were provided. - Due Diligence Vendor-02/03/2026 <br> Counter-Received proof of escrow holdback amount released. (1) However, escrow agreement dated xxxxxx requires 1004D. (2) File contains original appraisal completed "As-Is" and 1004D dated xxxxxx, supporting re-cert value only and no repairs stated on cert of completion section. Provide an explanation why appraisal reflects "As-is" and 1004D is required to show repairs completed for release of escrow holdback. - Due Diligence Vendor-11/05/2025 <br> Open-Escrow agreement on day of close notes required repairs and monies withheld. Evidence of satisfactory completion and release of funds is required. Repairs must be completed by 10.21.25 or loan will be accelerated and borrower considered to be in default. - Due Diligence Vendor-10/09/2025 |  | Resolved-Document Uploaded. - Final title policy, evidence of escrow hold release and 1004D showing repairs completed were provided. - Due Diligence Vendor-02/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - 730 FICO, 700 required<br>Months Reserves exceed minimum required - 11 months reserves documented, 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849630 | xxxxxx D A | Closed | xxxxxx | 2025-10-09 08:36 | 2025-10-29 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI Policy - Due Diligence Vendor-10/22/2025 <br> Open-Missing Hazard Insurance Policy Subject to verification of sufficient coverage and premium as per first payment letter to borrower. - Due Diligence Vendor-10/09/2025 |  | Resolved-Received HOI Policy - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 730 FICO, 700 required<br>Months Reserves exceed minimum required - 11 months reserves documented, 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849630 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 11:10 | 2025-10-29 10:41 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/29/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx \*New\* - Due Diligence Vendor-10/22/2025 |  | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - 730 FICO, 700 required<br>Months Reserves exceed minimum required - 11 months reserves documented, 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849630 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 12:28 | 2025-10-22 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Upon further review, the loan has escrow for taxes and insurance. - Due Diligence Vendor-10/22/2025 |  | Resolved-Upon further review, the loan has escrow for taxes and insurance. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 730 FICO, 700 required<br>Months Reserves exceed minimum required - 11 months reserves documented, 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849670 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 14:13 | 2025-11-21 16:15 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-Received documentation to support the borrower is not a 1st time investor - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Does not meet definition of experienced investor, considered first time investor and does not own a primary residence per guideline requirements.. Subject xxxxxx. No other evidence of managing a leased property was found. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025<br>| Resolved-Received documentation to support the borrower is not a 1st time investor - Due Diligence Vendor-11/21/2025<br>| Credit history exceeds minimum required - Credit History = 56 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - 2.45 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849674 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 11:53 | 2026-02-10 18:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Client exception granted and in file, waiver applied with comp factors. Though xxxxxx. Appraiser comments that the style of home has not impact on marketability. - Due Diligence Vendor-02/10/2026 <br> Open-xxxxxx. - Due Diligence Vendor-02/10/2026 |  | Waived-Client exception granted and in file, waiver applied with comp factors. Though xxxxxx. Appraiser comments that the style of home has not impact on marketability. - Due Diligence Vendor-02/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 Required is 680 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.23 Required is 50 Borrower has 35.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849674 | xxxxxx C B A | Closed | xxxxxx | 2026-01-02 09:31 | 2026-01-09 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received confirmation not required. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Sellers Response: Please escalate this to your compliance team. Per xxxxxx who is xxxxxx: "Please ask them to escalate, as this disclosure is only required if we wanted to exclude the attorney fees from the xxxxxx Home Loan Protection Acts points and fees test. There were not any attorney fees on the loan and as such, none were excluded (nor do we exclude the settlement fee). Also, the xxxxxx Home Loan Protection Act does not apply to loans that exceed $150,000.00." xxxxxx! - Seller-01/08/2026 <br> Counter-Per xxxxxx Code xxxxxx § 23-53-103(6)(B)(ii)(h), an attorney is not mandatory, the law ensures that the borrower is aware they have the option to choose their own legal representation for services connected with the mortgage loan. Signed disclosure is required. - Due Diligence Vendor-01/02/2026 <br> Counter-Received confirmation closing did not utilize closing attorney. Missing Right To Choose Attorney. - Due Diligence Vendor-01/02/2026 <br> Open-Right To Choose Attorney or Attorney Preference Not In File Right to Attorney is required in the xxxxxx, doc missing<br> - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Sellers Response: Please escalate this to your compliance team. Per xxxxxx who is xxxxxx: "Please ask them to escalate, as this disclosure is only required if we wanted to exclude the attorney fees from the xxxxxx Home Loan Protection Acts points and fees test. There were not any attorney fees on the loan and as such, none were excluded (nor do we exclude the settlement fee). Also, the xxxxxx Home Loan Protection Act does not apply to loans that exceed $150,000.00." xxxxxx! - Seller-01/08/2026 | Resolved-Received confirmation not required. - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 Required is 680 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.23 Required is 50 Borrower has 35.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849674 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 15:11 | 2025-12-29 07:20 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received Service provider list. Finding Resolved. - Due Diligence Vendor-12/29/2025 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). -----Provide SPL prior to or at time of Initial LE. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received Service provider list. Finding Resolved. - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 Required is 680 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.23 Required is 50 Borrower has 35.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849674 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 15:11 | 2025-12-29 07:17 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-------Received Homeownership Counseling List. Finding Resolved. - Due Diligence Vendor-12/29/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. -----HC List was issued on the 4th business day 9/29/25, provide list within 3 days of 9/23/25 - Due Diligence Vendor-12/10/2025 |  | Resolved-------Received Homeownership Counseling List. Finding Resolved. - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 Required is 680 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.23 Required is 50 Borrower has 35.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849674 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 14:21 | 2025-12-10 18:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 Required is 680 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.23 Required is 50 Borrower has 35.23<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849726 | xxxxxx D B A | Closed | xxxxxx | 2025-10-23 13:28 | 2025-11-14 17:47 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-The purchase contract does not list any specific issues with the property and the appraisal was completed as is with no cost to sure. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Appraisal is as is - no repairs required - Seller-10/27/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided.-Missing listing of repairs to be completed and actual amount of seller credit. Purchase agreement page 1 (PDF 565) notes a xxxxxx seller credit towards closing costs but in additional conditions , purchase agreement notes xxxxxx is for closing cost and repairs. Additional findings may apply. - Due Diligence Vendor-10/24/2025 | Ready for Review-Appraisal is as is - no repairs required - Seller-10/27/2025<br>| Resolved-The purchase contract does not list any specific issues with the property and the appraisal was completed as is with no cost to sure. - Due Diligence Vendor-11/14/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x60 on time mortgage pay history. 1x30x12 required<br>Months Reserves exceed minimum required - 5.83 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849726 | xxxxxx D B A | Closed | xxxxxx | 2025-10-23 13:16 | 2025-11-10 15:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty agreement. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-Received Guaranty Agreement. - Due Diligence Vendor-11/10/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x60 on time mortgage pay history. 1x30x12 required<br>Months Reserves exceed minimum required - 5.83 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849726 | xxxxxx D B A | Closed | xxxxxx | 2025-10-23 13:19 | 2025-10-29 15:06 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-loan closed under an LLC are eligible for prepayment penalty per xxxxxx - Seller-10/28/2025 <br> Open-PPP penalty on a xxxxxx property closing in LLC - Due Diligence Vendor-10/24/2025 | Ready for Review-loan closed under an LLC are eligible for prepayment penalty per xxxxxx - Seller-10/28/2025 | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-10/29/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x60 on time mortgage pay history. 1x30x12 required<br>Months Reserves exceed minimum required - 5.83 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849944 | xxxxxx C B A | Closed | xxxxxx | 2026-01-16 11:13 | 2026-01-23 08:48 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD xxxxxx, disbursement date xxxxxx - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026<br>| Resolved------Received PCCD xxxxxx, disbursement date xxxxxx. - Due Diligence Vendor-01/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797; minimum score 720. Required is 720 Borrower has 797<br>Qualifying DTI below maximum allowed - DTI 40.17 max 50%. Required is 50 Borrower has 40.17 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849944 | xxxxxx C B A | Closed | xxxxxx | 2026-01-16 10:53 | 2026-01-16 10:53 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797; minimum score 720. Required is 720 Borrower has 797<br>Qualifying DTI below maximum allowed - DTI 40.17 max 50%. Required is 50 Borrower has 40.17 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 849957 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849980 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849983 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 07:38 | 2025-10-30 16:00 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Received current master flood policy - Due Diligence Vendor-10/30/2025 <br> Ready for Review-see policy - other condition - Seller-10/29/2025 <br> Open-Flood Insurance Expiration Date of xxxxxx is prior to the Note Date of xxxxxx - Due Diligence Vendor-10/28/2025 | Ready for Review-see policy - other condition - Seller-10/29/2025<br>| Resolved-Received current master flood policy - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - 8.31 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 56.69% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849983 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 07:38 | 2025-10-30 16:00 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received current master policy - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Master Policy Expiration Date of xxxxxx is Prior To the Transaction Date of xxxxxx - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Received current master policy - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - 8.31 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 56.69% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849983 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 07:38 | 2025-10-30 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received correct master policy - Due Diligence Vendor-10/30/2025 <br> Ready for Review-see policy - other condition - Seller-10/29/2025 <br> Open-Condo Master Insurance Policy Partially Provided - missing unit # and names of borrower - condo master in file has different name and unit # than subject - Due Diligence Vendor-10/28/2025 | Ready for Review-see policy - other condition - Seller-10/29/2025<br>| Resolved-Received correct master policy - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - 8.31 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 56.69% max 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849992 | xxxxxx D B A | Closed | xxxxxx | 2025-11-05 13:00 | 2025-11-20 11:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Waived-Client provided a waiver for cash out letter, applied to non material finding with comp factors. Settlement statement supports liens paid off at time of closing are associate to subject property and no consumer use. - Due Diligence Vendor-02/10/2026 <br> Counter-Received business purpose affidavit-missing cash out purpose letter confirming business use of funds and meeting guidelines 11.4 - Due Diligence Vendor-11/14/2025 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-11/05/2025 |  | Waived-Client provided a waiver for cash out letter, applied to non material finding with comp factors. Settlement statement supports liens paid off at time of closing are associate to subject property and no consumer use. - Due Diligence Vendor-02/10/2026 | Months Reserves exceed minimum required - 2 months reserves PITIA required and the borrower has 30 months PITIA.<br>On time mortgage history exceeds guideline requirement - Per VOM pg 130, no late payments in the last 12 mos on subj<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR = 1.012 | Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Current primary home ownership > 2 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849992 | xxxxxx D B A | Closed | xxxxxx | 2025-11-05 11:55 | 2025-11-13 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-11/13/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-11/05/2025 |  | Resolved-Received Guaranty Agreement - Due Diligence Vendor-11/13/2025<br>| Months Reserves exceed minimum required - 2 months reserves PITIA required and the borrower has 30 months PITIA.<br>On time mortgage history exceeds guideline requirement - Per VOM pg 130, no late payments in the last 12 mos on subj<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR = 1.012 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849992 | xxxxxx D B A | Closed | xxxxxx | 2025-11-06 09:34 | 2025-11-13 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/13/2025 <br> Open-Missing Business Purpose Cert on cash-out DSCR loan - Due Diligence Vendor-11/06/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/13/2025<br>| Months Reserves exceed minimum required - 2 months reserves PITIA required and the borrower has 30 months PITIA.<br>On time mortgage history exceeds guideline requirement - Per VOM pg 130, no late payments in the last 12 mos on subj<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR = 1.012 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850174 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850177 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850235 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 08:35 | 2025-11-10 15:46 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal Expired | Resolved-Upon further review, the effective date of the appraisal is xxxxxx, not expired. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. appraisal is not expired - Seller-11/06/2025 <br> Open-Appraisal expired xxxxxx : note date xxxxxx<br> We need updated appraisal - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. appraisal is not expired - Seller-11/06/2025<br>| Resolved-Upon further review, the effective date of the appraisal is xxxxxx, not expired. - Due Diligence Vendor-11/10/2025 | LTV is less than guideline maximum - LTV 65% max 75%.<br>Months Reserves exceed minimum required - 37.78 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850235 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 07:52 | 2025-11-10 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-11/10/2025<br>| LTV is less than guideline maximum - LTV 65% max 75%.<br>Months Reserves exceed minimum required - 37.78 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850451 | xxxxxx B A | Closed | xxxxxx | 2025-11-25 15:16 | 2025-11-26 13:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/26/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception Approved: First time investor limited to purchasing SFR (subject property is xxxxxx unit) allow purchase of xxxxxx Unit. Non-Material , Overlay. - Due Diligence Vendor-11/26/2025 |  | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/26/2025<br>| LTV is less than guideline maximum - Maximum LTV is 80% - actual LTV is 70%. Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 700 - actual is 810 FICO. Required is 700 Borrower has 810 | -Current primary home ownership > 5 years<br> - Credit Score Credit Score 30+ points > minimum required<br> - Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850507 | xxxxxx C B A | Closed | xxxxxx | 2025-10-28 12:09 | 2025-11-10 11:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, the Notary can be the witness - Due Diligence Vendor-11/10/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required witness signature - Due Diligence Vendor-10/28/2025 |  | Resolved-Upon further review, the Notary can be the witness - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 766; guidelines require 700. <br>Months Reserves exceed minimum required - 3.43 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850507 | xxxxxx C B A | Closed | xxxxxx | 2025-10-29 15:58 | 2025-10-29 16:03 | Waived | 2 - Non-Material C B | Property | Value | Primary Property Value is not Substantiated | Waived-1008 reflects Lender used haircut value to close loan, however, finding remains as Non-Material due to the file containing 2 secondary valuation product not supporting the original appraised value. 2nd full appraisal obtained and lender use lower of two values for valuation value and sales price for value for LTV which was below valuation value. - Due Diligence Vendor-02/10/2026 <br> Open-The Primary Property Value is unsubstantiated. Original appraisal value was not supported by Desk review and second appraisal in file. - Due Diligence Vendor-10/29/2025 |  | Waived-1008 reflects Lender used haircut value to close loan, however, finding remains as Non-Material due to the file containing 2 secondary valuation product not supporting the original appraised value. 2nd full appraisal obtained and lender use lower of two values for valuation value and sales price for value for LTV which was below valuation value. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 766; guidelines require 700. <br>Months Reserves exceed minimum required - 3.43 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850528 | xxxxxx D A | Closed | xxxxxx | 2025-12-01 13:20 | 2026-01-09 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received LOE - Due Diligence Vendor-01/09/2026 <br> Open-xxxxxx and xxxxxx into account xxxxxx to verify source of income - Due Diligence Vendor-12/01/2025 |  | Resolved-Received LOE - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 Required is 660 Borrower has 796 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850528 | xxxxxx D A | Closed | xxxxxx | 2025-12-01 12:28 | 2025-12-18 13:50 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-After further review, the lender's guides allow a letter from the borrower. - Due Diligence Vendor-12/18/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements CPA letter confirming use of business assets or a cash flow analysis needed in order to use business assets. - Due Diligence Vendor-12/01/2025 |  | Resolved-After further review, the lender's guides allow a letter from the borrower. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 Required is 660 Borrower has 796 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850528 | xxxxxx D A | Closed | xxxxxx | 2025-12-01 11:16 | 2025-12-04 12:59 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Purchase Contract. - Due Diligence Vendor-12/04/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Property condition report on the contract is still encrypted. Please provide full contract that is clear and legible. - Due Diligence Vendor-12/01/2025 |  | Resolved-Received Purchase Contract. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 Required is 660 Borrower has 796 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850528 | xxxxxx D A | Closed | xxxxxx | 2025-12-01 12:17 | 2025-12-04 12:58 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/04/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide gap report or UDM that is within 10 days of closing for both borrowers. - Due Diligence Vendor-12/01/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 796 Required is 660 Borrower has 796 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850630 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 09:15 | 2025-09-11 17:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/11/2025 <br> Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% EXCEPTION REQUEST to exceed GL by 5% on CLTV - Due Diligence Vendor-08/28/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 779<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 19.67% | FICO SCORE IS AT LEAST 20 POINTS ABOVE minimum<br> dti 5% below max<br> mortgage history 0x30 24 months | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 850630 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 09:57 | 2025-08-29 16:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator provided a waiver for seasoning, applied to non material finding with comp factor - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Per guides, properties owned less than six (6) months ineligible, borrower purchased the property in xxxxxx. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Waived-Originator provided a waiver for seasoning, applied to non material finding with comp factor - Due Diligence Vendor-08/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 779<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 19.67% | Qualifying FICO score is at least 20 points above minimum for program<br> 5+ years Verified employment history exceeds guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | N/A | xxxxxx |
| 850630 | xxxxxx C B A | Closed | xxxxxx | 2025-08-27 09:05 | 2025-08-28 12:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Zero (0%) tolerance fees increased by $50.00 (appraisal) without a valid COC in file. Lender credit on final CD, $50.00 for increase in closing costs above legal limit. - Due Diligence Vendor-08/28/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $50.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $50.00 (appraisal) without a valid COC in file. Lender credit on final CD, $50.00 for increase in closing costs above legal limit. Finding resolved. - Due Diligence Vendor-08/27/2025 |  | Resolved--Zero (0%) tolerance fees increased by $50.00 (appraisal) without a valid COC in file. Lender credit on final CD, $50.00 for increase in closing costs above legal limit. - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 779<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 19.67% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850688 | xxxxxx C A | Closed | xxxxxx | 2025-10-27 17:34 | 2025-11-04 10:51 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. 11/3/25 - Lender response: Please re-review. Pg. 1 of 17 shows an endorsement issued on xxxxxx updating the loan amount to xxxxxx - Buyer-11/03/2025 <br> Counter-Commitment provided, however the policy amount xxxxxx < the loan amount of xxxxxx Finding remains. - Due Diligence Vendor-10/31/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). The subject loan amount is xxxxxx and the title only shows xxxxxx. There is no supplement adjusting the loan amount. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-11/04/2025<br>| Months Reserves exceed minimum required - 6 months reserves required / Audit reserves is over 11 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score required is 700/ Audit fico score is 750. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850691 | xxxxxx D B A | Closed | xxxxxx | 2025-11-25 15:57 | 2025-12-05 11:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-The request for an exception to xxxxxx's eligibility criteria is granted. Non-material with compensating factors. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Reserves exceed requirement by 10 months or more - Buyer-12/04/2025 <br> Open-Per guides, First time homebuyers (FTHB) living with a spouse are eligible with the following requirements: Spouse owns the primary residence, evidence spouse is on title, and proof of 12-month payment history, or evidence the primary residence is owned free & clear. However, the borrowers are both FTHB's and per application rent their primary residence. It should be noted that the borrowers stated on the loan application that they rent a residence abroad and own no other real estate. Additionally, a 12-month housing history for their primary residence abroad was not provided in lieu of a 12-month mortgage history. - Due Diligence Vendor-11/25/2025 |  | Waived-The request for an exception to xxxxxx's eligibility criteria is granted. Non-material with compensating factors. - Due Diligence Vendor-12/05/2025 | Months Reserves exceed minimum required - Borrowers verified 26 months of reserves, minimum required is 6.<br>LTV is less than guideline maximum - 75% LTV, max allowed is 80%. | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 10 points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 850691 | xxxxxx D B A | Closed | xxxxxx | 2025-11-17 12:52 | 2025-12-02 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-12/02/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Affidavit Disclosure or Occupancy cert not provided - Due Diligence Vendor-11/17/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-12/02/2025<br>| Months Reserves exceed minimum required - Borrowers verified 26 months of reserves, minimum required is 6.<br>LTV is less than guideline maximum - 75% LTV, max allowed is 80%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850724 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850836 | xxxxxx D B A | Closed | xxxxxx | 2025-12-01 17:53 | 2025-12-08 11:47 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Purchase Contract Addendum confirming sales price, deposit, and closing credit. - Due Diligence Vendor-12/08/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing contract addendum with a final sales price of xxxxxx - Due Diligence Vendor-12/01/2025 |  | Resolved-Received Purchase Contract Addendum confirming sales price, deposit, and closing credit. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787<br>LTV is less than guideline maximum - Required is 80 Borrower has 59.86<br>Months Reserves exceed minimum required - 297.42 mos reserves; 3 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850836 | xxxxxx D B A | Closed | xxxxxx | 2025-12-01 13:29 | 2025-12-04 13:09 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice of Special Flood Disclosure. - Due Diligence Vendor-12/04/2025 <br> Open-Subject Property is in Flood Zone xxxxxx but Notice of Special Flood Hazard Disclosure was not provided - Due Diligence Vendor-12/01/2025 |  | Resolved-Received Notice of Special Flood Disclosure. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787<br>LTV is less than guideline maximum - Required is 80 Borrower has 59.86<br>Months Reserves exceed minimum required - 297.42 mos reserves; 3 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850836 | xxxxxx D B A | Closed | xxxxxx | 2025-12-01 18:10 | 2025-12-01 18:11 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. HOA has significant reserves to cover deductible. - Due Diligence Vendor-02/10/2026 <br> Open-Condo Master Insurance Policy Partially Provided Exception in file: water deductible on master insurance is 10% which exceeds lender guidelines. - Due Diligence Vendor-02/10/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. HOA has significant reserves to cover deductible. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787<br>LTV is less than guideline maximum - Required is 80 Borrower has 59.86<br>Months Reserves exceed minimum required - 297.42 mos reserves; 3 mos required | 60% LTV<br> 787 FICO<br> $4MM+ in reserves after close | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850848 | xxxxxx C A | Closed | xxxxxx | 2025-10-29 10:15 | 2025-12-01 11:05 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received updated Note reflecting xxxxxx - Due Diligence Vendor-12/01/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The mortgage and title reflect vesting of xxxxxx Mortgage is signed by borrower individually, no evidence the mortgage was signed on behalf of the business - Due Diligence Vendor-10/29/2025 |  | Resolved-Received updated Note reflecting xxxxxx - Due Diligence Vendor-12/01/2025 | Months Reserves exceed minimum required - 2 months required 27.36 verified.<br>Qualifying FICO score is at least 20 points above minimum for program - minimum fico 660 qualifying fico 698 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851013 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851030 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 12:13 | 2025-12-01 10:43 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received email from title confirming insured with judgements and Affidavit from bwr stating not one in the same party. - Due Diligence Vendor-12/01/2025 <br> Open-Property Title Issue Missing the satisfaction of Judgements for judgement dated 6/3/2016 in favor of xxxxxx in the amount of xxxxxx; Missing the satisfaction of Judgements for judgement dated 12/11/2024 in favor of xxxxxx in the amount of xxxxxx. - Due Diligence Vendor-11/06/2025 |  | Resolved-Received email from title confirming insured with judgements and Affidavit from bwr stating not one in the same party. - Due Diligence Vendor-12/01/2025<br>| LTV is less than guideline maximum - Maximum LTV = 75%, BRW LTV = 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 700. Borrower's qualifying score = 731 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851165 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851174 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851184 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851192 | xxxxxx C B A | Closed | xxxxxx | 2025-10-17 13:14 | 2025-10-24 15:34 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description and applicable riders. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. dot with the rider - Seller-10/22/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Default Interest Rate Rider. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. dot with the rider - Seller-10/22/2025<br>| Resolved-Received Deed of Trust with Legal Description and applicable riders. - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - 3 months required, subject 80 months<br>DSCR % greater than 1.20 - DSCR 1.829 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851192 | xxxxxx C B A | Closed | xxxxxx | 2025-10-17 17:31 | 2025-10-24 15:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator provided a waiver to pau off xxxxxx $1934, applied to non material finding with comp factors - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. please find the exception - Seller-10/22/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Per the applicable guidelines collections in the last 2 years must be paid. The xxxxxx collection from 1/30/2025 for $1,934 was not paid off at close. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. please find the exception - Seller-10/22/2025<br>| Waived-Originator provided a waiver to pau off xxxxxx $1934, applied to non material finding with comp factors - Due Diligence Vendor-10/24/2025 | Months Reserves exceed minimum required - 3 months required, subject 80 months<br>DSCR % greater than 1.20 - DSCR 1.829 | 3 Months Reserve; FICO 757; 56 Tradelines; 6.5 years at present address; 252 months of 0x30 payments | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 851198 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851199 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851200 | xxxxxx C B A | Closed | xxxxxx | 2025-10-20 13:16 | 2025-10-20 16:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow a 5% LTV exception to go to 70%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/20/2025 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65%. Lender exception provided for 5% LTV exception; after 10% LTV reduction applied to LTV for Non-Arm's Length. - Due Diligence Vendor-10/20/2025 |  | Waived-Originator exception granted to allow a 5% LTV exception to go to 70%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 27.86 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 685; guidelines require 660 | 27.86 months reserves<br> 685 FICO<br> 44 tradelines <br> 336 months 0X30 Payment's history | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 851201 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851223 | xxxxxx D A | Closed | xxxxxx | 2025-10-09 22:49 | 2025-10-16 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. master policy please clear. - Seller-10/14/2025 <br> Open-Missing Condo Master Insurance Policy Missing evidence of Condo Master Insurance Policy - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. master policy please clear. - Seller-10/14/2025<br>| Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-10/16/2025 | LTV is less than guideline maximum - Qualifying LTV 70.63%; max allowable 75.00% LTV<br>Months Reserves exceed minimum required - 4.2 months reserves; guidelines require 3 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851225 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851228 | xxxxxx C A | Closed | xxxxxx | 2025-10-13 13:59 | 2025-10-30 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Prepay acceptable per Matrix. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-DISAGREE: Per the xxxxxx Revised Statutes (xxxxxx) Sec. 408.036, there is indeed a 2% prepayment penalty restriction in place. However, the same statute explains that this restriction applies to mortgages made on "residential real estate", which xxxxxx Sec 408.015 defines as 1-4 family, owner-occupied residential property. <br> As a result, the restriction in question does not apply to loans on non-owner occupied/investment properties.<br> Please clear - Seller-10/29/2025 <br> Open-Prepayment Penalty is not allowed. Cannot exceed 2% - Due Diligence Vendor-10/13/2025 | Ready for Review-DISAGREE: Per the xxxxxx Revised Statutes (xxxxxx) Sec. 408.036, there is indeed a 2% prepayment penalty restriction in place. However, the same statute explains that this restriction applies to mortgages made on "residential real estate", which xxxxxx Sec 408.015 defines as 1-4 family, owner-occupied residential property. <br> As a result, the restriction in question does not apply to loans on non-owner occupied/investment properties.<br> Please clear - Seller-10/29/2025 | Resolved-Prepay acceptable per Matrix. - Due Diligence Vendor-10/30/2025<br>| LTV is less than guideline maximum - guidelines LTV 80% / Subject is at 75%<br>Qualifying FICO score is at least 20 points above minimum for program - the minimum Fico score per guidelines 680 / The subject is at 799 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851228 | xxxxxx C A | Closed | xxxxxx | 2025-10-10 12:36 | 2025-10-13 14:27 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Security Instrument Date matches Note Date - Due Diligence Vendor-10/13/2025 |  | Resolved-Security Instrument Date matches Note Date - Due Diligence Vendor-10/13/2025<br>| LTV is less than guideline maximum - guidelines LTV 80% / Subject is at 75%<br>Qualifying FICO score is at least 20 points above minimum for program - the minimum Fico score per guidelines 680 / The subject is at 799 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851251 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851263 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851266 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851267 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851271 | xxxxxx C B A | Closed | xxxxxx | 2025-10-22 15:48 | 2025-10-27 14:50 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator provided a waiver for remaining equity <$40,000– wavier applied with reviewed compfactors - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Credit exception for the minimum equity provided. Please clear finding. - Seller-10/24/2025 <br> Open-Remaining equity is less than $40,000 which does not meet guideline requirement. The remaining equity is $38,000 which does not meet the $40,000 minimum equity requirement. No exception was identified in the file. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Credit exception for the minimum equity provided. Please clear finding. - Seller-10/24/2025<br>| Waived-Originator provided a waiver for remaining equity <$40,000– wavier applied with reviewed compfactors - Due Diligence Vendor-10/27/2025<br>| Months Reserves exceed minimum required - 3 months verified 19.61 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 720 required, 801 verified. | Fico: 801 <br> Reserves: 19 months verified | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 851279 | xxxxxx C A | Closed | xxxxxx | 2025-10-20 13:37 | 2025-11-10 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-The documented purchase price plus closing costs is higher than the loan amount. No further documentation is needed. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-We would not need improvements for this loan as the acquisition price is more than the loan amount itself which qualified the loan.<br>Per guides its PP = improvements = fees or 80% whichever is less the acquisition being xxxxxx is already higher than loan amount at 80% of xxxxxx. we have cleared the other 4 loans. <br> - Seller-11/10/2025 <br> Counter-Received guideline. Finding Remains. Subject is limited to 75% because of no noted improvements - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. guidelines allow please clear. - Seller-10/22/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Property was purchased 6 months ago or less, the max LTV is 75%. - Due Diligence Vendor-10/20/2025 | Ready for Review-We would not need improvements for this loan as the acquisition price is more than the loan amount itself which qualified the loan.<br>Per guides its PP = improvements = fees or 80% whichever is less the acquisition being xxxxxx is already higher than loan amount at 80% of xxxxxx. we have cleared the other 4 loans. <br> - Seller-11/10/2025 <br> Ready for Review-Document Uploaded. guidelines allow please clear. - Seller-10/22/2025 | Resolved-The documented purchase price plus closing costs is higher than the loan amount. No further documentation is needed. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761; guidelines require 720<br>Months Reserves exceed minimum required - 14.19 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851289 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 16:33 | 2025-10-31 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-APN number is consistent on all docs. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. The correct city name is xxxxxx, see corrected Note and Mortgage. Please clear finding. - Seller-10/31/2025 <br> Open-Property Issues are identified for the property Appraisal city to be corrected to xxxxxx to match all documentation in file. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. The correct city name is xxxxxx, see corrected Note and Mortgage. Please clear finding. - Seller-10/31/2025 | Resolved-APN number is consistent on all docs. - Due Diligence Vendor-10/31/2025<br>| Months Reserves exceed minimum required - 27.91 months reserves exceed required 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 783 is higher than the required 720<br>DSCR % greater than 1.20 - DSCR 1.478 is greater than 1.20 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851289 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 16:37 | 2025-10-31 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-APN number is consistent on all docs. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. The correct city name is xxxxxx, see corrected Note and Mortgage. Please clear finding. - Seller-10/31/2025 <br> Open-Flood Certificate is Partially Provided City to be corrected to xxxxxx to match all documentation in file. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. The correct city name is xxxxxx, see corrected Note and Mortgage. Please clear finding. - Seller-10/31/2025 | Resolved-APN number is consistent on all docs. - Due Diligence Vendor-10/31/2025<br>| Months Reserves exceed minimum required - 27.91 months reserves exceed required 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 783 is higher than the required 720<br>DSCR % greater than 1.20 - DSCR 1.478 is greater than 1.20 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851289 | xxxxxx D A | Closed | xxxxxx | 2025-10-14 16:37 | 2025-10-31 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-APN number is consistent on all docs. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. The correct city name is xxxxxx, see corrected Note and Mortgage. Please clear finding. - Seller-10/31/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided City to be corrected to xxxxxx to match all documentation in file. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. The correct city name is xxxxxx, see corrected Note and Mortgage. Please clear finding. - Seller-10/31/2025 | Resolved-APN number is consistent on all docs. - Due Diligence Vendor-10/31/2025<br>| Months Reserves exceed minimum required - 27.91 months reserves exceed required 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 783 is higher than the required 720<br>DSCR % greater than 1.20 - DSCR 1.478 is greater than 1.20 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851294 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851337 | xxxxxx D A | Closed | xxxxxx | 2025-12-29 19:18 | 2026-01-05 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-01/05/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Provide Business Purpose Affidavit. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-01/05/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 41.38%. Required is 50 Borrower has 41.38<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 780. Required is 700 Borrower has 780<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 70%. Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851353 | xxxxxx C A | Closed | xxxxxx | 2025-11-04 20:33 | 2025-11-05 17:11 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-The xxxxxx guidelines for a First time investor were met - require a 680 credit score, no lates, no cash-out. - Due Diligence Vendor-11/05/2025 <br> Open-The Calculated DSCR of '0.690' is less than the minimum DSCR per lender guidelines of '1'. 1st time investor min DSCR >1.00. - Due Diligence Vendor-11/05/2025 |  | Resolved-The xxxxxx guidelines for a First time investor were met - require a 680 credit score, no lates, no cash-out. - Due Diligence Vendor-11/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 700 - actual is 792 FICO score<br>Months Reserves exceed minimum required - Required is 6 months reserves - actual is 15.48 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851419 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 15:45 | 2025-12-05 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved-Prepay addendum provided. - Due Diligence Vendor-12/05/2025 <br> Open-Missing Prepayment Addendum to Note. <br> - Due Diligence Vendor-10/29/2025 |  | Resolved-Prepay addendum provided. - Due Diligence Vendor-12/05/2025<br>| Months Reserves exceed minimum required - 24.84 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 767; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851478 | xxxxxx C A | Closed | xxxxxx | 2025-11-10 16:09 | 2025-12-03 15:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received Cd for xxxxxx. Funds sufficient for closing and reserves for two pack - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-11/28/2025 <br> Counter-1003 and asset worksheet provided. Please provide the CD for Loan xxxxxx. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing CD from refinance of property whose last four digits of the loan number is xxxxxx for xxxxxx Per processor cert these funds were used for the down payment. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/28/2025 <br>Ready for Review-Document Uploaded. - Seller-11/17/2025<br>| Resolved-Received Cd for xxxxxx. Funds sufficient for closing and reserves for two pack - Due Diligence Vendor-12/03/2025 | Months Reserves exceed minimum required - Qualifying reserves 26 months; minimum required 6 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851546 | xxxxxx D A | Closed | xxxxxx | 2025-11-12 18:56 | 2025-11-20 13:13 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal received. - Due Diligence Vendor-11/20/2025 <br> Open-Appraisal is Missing - Due Diligence Vendor-11/12/2025 |  | Resolved-Appraisal received. - Due Diligence Vendor-11/20/2025<br>| Months Reserves exceed minimum required - 6 MONTHS PITIA RESERVES REQUIRED AND BORROWER HAS 503 MONTHS.<br>LTV is less than guideline maximum - Required is 75 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851546 | xxxxxx D A | Closed | xxxxxx | 2025-11-12 18:52 | 2025-11-20 13:12 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Appraisal with 1007 received. - Due Diligence Vendor-11/20/2025 <br> Resolved-Rule False - Due Diligence Vendor-11/20/2025 <br> Open-Missing Third Party Market Rent Source 1007. - Due Diligence Vendor-11/12/2025 |  | Resolved-Appraisal with 1007 received. - Due Diligence Vendor-11/20/2025 <br>Resolved-Rule False - Due Diligence Vendor-11/20/2025<br>| Months Reserves exceed minimum required - 6 MONTHS PITIA RESERVES REQUIRED AND BORROWER HAS 503 MONTHS.<br>LTV is less than guideline maximum - Required is 75 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851546 | xxxxxx D A | Closed | xxxxxx | 2025-11-12 19:12 | 2025-11-20 13:11 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-1007 received. - Due Diligence Vendor-11/20/2025 <br> Open-The Calculated DSCR of '0' is less than the minimum DSCR per lender guidelines of '0.75'. - Due Diligence Vendor-11/13/2025 |  | Resolved-1007 received. - Due Diligence Vendor-11/20/2025<br>| Months Reserves exceed minimum required - 6 MONTHS PITIA RESERVES REQUIRED AND BORROWER HAS 503 MONTHS.<br>LTV is less than guideline maximum - Required is 75 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851554 | xxxxxx D A | Closed | xxxxxx | 2025-11-14 00:41 | 2025-11-14 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Resolved-After further review, the loan was underwritten to xxxxxx guides and alternative credit is not required. - Due Diligence Vendor-11/14/2025 <br> Open-The Alternative Credit Documentation for Foreign National is Missing. Borrower is a Foreign National, and Per Guidelines 7.04.25 Foreign Nationals are not eligible, Provide Exception allowing Foreign nation to close the loan. - Due Diligence Vendor-11/14/2025 |  | Resolved-After further review, the loan was underwritten to xxxxxx guides and alternative credit is not required. - Due Diligence Vendor-11/14/2025 | Months Reserves exceed minimum required - 6 MONTHS RESERVES PITIA REQUIRED AND THE BORROWER HAS 48.79<br>Long term residence - Borrower is a long term residence and Own for more than 5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851599 | xxxxxx D A | Closed | xxxxxx | 2025-11-14 15:59 | 2025-11-25 17:09 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-After further review, the borrower is a FN and meets the first time investor requirements. He is not a first time homebuyer per the LOX in the loan file. - Due Diligence Vendor-11/25/2025 <br> Counter-First-Time Homebuyers for Foreign Nations are not Eligible per the guidelines. - Due Diligence Vendor-11/25/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) - Due Diligence Vendor-11/14/2025 |  | Resolved-After further review, the borrower is a FN and meets the first time investor requirements. He is not a first time homebuyer per the LOX in the loan file. - Due Diligence Vendor-11/25/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60<br>Months Reserves exceed minimum required - No reserves PITIA required and the borrower has 3 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851599 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 09:34 | 2025-11-25 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-11/25/2025 <br> Open-Foreign National but the ACH form is Missing from file. ACH Form is required for all foreign national borrowers. Funds must be from a xxxxxx Bank. Form not seen in file. - Due Diligence Vendor-11/17/2025 |  | Resolved-Received ACH - Due Diligence Vendor-11/25/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60<br>Months Reserves exceed minimum required - No reserves PITIA required and the borrower has 3 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851599 | xxxxxx D A | Closed | xxxxxx | 2025-11-14 16:51 | 2025-11-25 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Certification. - Due Diligence Vendor-11/25/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Guides required a BP affidavit and Occupancy Cert. Only the Occupancy cert is in file - Due Diligence Vendor-11/14/2025 |  | Resolved-Received Business Purpose Certification. - Due Diligence Vendor-11/25/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60<br>Months Reserves exceed minimum required - No reserves PITIA required and the borrower has 3 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851601 | xxxxxx D B A | Closed | xxxxxx | 2025-12-09 10:44 | 2026-01-22 09:25 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Waived-Client waiver applied to non-material finding with compensating factors. Exception for signed 4506 with no dates, transcripts provided. - Due Diligence Vendor-01/22/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing 4506-C forms are signed and dated, but are missing the dates allowed for the transcript pull. Business returns for 2023 and 2024 to be signed. - Due Diligence Vendor-12/11/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for signed 4506 with no dates, transcripts provided. - Due Diligence Vendor-01/22/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 55.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851601 | xxxxxx D B A | Closed | xxxxxx | 2025-12-09 10:44 | 2026-01-22 09:14 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Waived-Client waiver applied to non-material finding with compensating factors. Exception for signed 4506 with no dates, transcripts provided. - Due Diligence Vendor-01/22/2026 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing 4506-C forms are signed and dated, but are missing the dates allowed for the transcript pull. - Due Diligence Vendor-12/11/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for signed 4506 with no dates, transcripts provided. - Due Diligence Vendor-01/22/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 55.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851601 | xxxxxx D B A | Closed | xxxxxx | 2025-12-09 10:44 | 2026-01-13 17:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-Signed tax returns are not required when transcripts are provided. - Due Diligence Vendor-01/13/2026 <br> Counter-Received rebuttal for asset utilization document type. Self employed income, Wage considered in qualifying. Signed and dated 1040s required. Asset utilization supplemental income considered. Finding remains. - Due Diligence Vendor-12/23/2025 <br> Open-Borrower 2 Tax Returns Not Signed 2023 and 2024 returns to be signed - Due Diligence Vendor-12/09/2025 |  | Resolved-Signed tax returns are not required when transcripts are provided. - Due Diligence Vendor-01/13/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 55.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851601 | xxxxxx D B A | Closed | xxxxxx | 2025-12-09 10:44 | 2026-01-13 17:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Signed tax returns are not required when transcripts are provided. - Due Diligence Vendor-01/13/2026 <br> Counter-Received rebuttal for asset utilization document type. Self employed income, Wage considered in qualifying. Signed and dated 1040 s required. Asset utilization supplemental income considered. Finding remains. - Due Diligence Vendor-12/23/2025 <br> Open-Borrower 1 Tax Returns Not Signed 2023 personal returns need to be signed. - Due Diligence Vendor-12/11/2025 |  | Resolved-Signed tax returns are not required when transcripts are provided. - Due Diligence Vendor-01/13/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 55.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851601 | xxxxxx D B A | Closed | xxxxxx | 2025-12-11 16:45 | 2026-01-13 17:08 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received 3 months and income calc worksheet for xxxxxx asset utilization statements. - Due Diligence Vendor-01/08/2026 <br> Counter-Received rebuttal additional accounts not required for reserves. xxxxxx considered in asset utilization calculations. 3 months statements required. Finding remains - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-Missing 2 additional months for xxxxxx required per guidelines - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-Received 3 months and income calc worksheet for xxxxxx asset utilization statements. - Due Diligence Vendor-01/08/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 55.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851601 | xxxxxx D B A | Closed | xxxxxx | 2025-12-11 16:42 | 2026-01-08 11:10 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received 3 months and income calc worksheet for xxxxxx asset utilization statements. - Due Diligence Vendor-01/08/2026 <br> Counter-Received rebuttal additional accounts not required for reserves. xxxxxx considered in asset utilization calculations. 3 months statements required. Finding remains. - Due Diligence Vendor-12/23/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing 2 additional months for xxxxxx required per guidelines - Due Diligence Vendor-12/11/2025 |  | Resolved-Received 3 months and income calc worksheet for xxxxxx asset utilization statements. - Due Diligence Vendor-01/08/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 55.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851601 | xxxxxx D B A | Closed | xxxxxx | 2025-12-09 12:08 | 2025-12-24 09:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Received property profile confirming sale date of property. - Due Diligence Vendor-12/24/2025 <br> Open-xxxxxx-explantion shows this property was sold xxxxxx. However, this address is showing on all documentation for B1s business and the Etrade assets. It is also on the most current driver's license. Provide proof property was sold. - Due Diligence Vendor-12/11/2025 |  | Resolved-Received property profile confirming sale date of property. - Due Diligence Vendor-12/24/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 55.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851620 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851684 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851715 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851734 | xxxxxx D B A | Closed | xxxxxx | 2025-11-24 19:43 | 2025-11-25 12:35 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Client waiver applied to non-material finding with compensating factors. The borrowers did not enter the xxxxxx to sign docs, they were signed via remote online notarization, - Due Diligence Vendor-11/25/2025 <br> Open-Lender exception in file to allow all three borrowers without a copy of a valid and unexpired visa. It should be noted that the LTV/CLTV of 5% is not a compensating factor as it directly relates to a concurrent exception for cash-out exceeding guidelines. - Due Diligence Vendor-11/25/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. The borrowers did not enter the xxxxxx to sign docs, they were signed via remote online notarization, - Due Diligence Vendor-11/25/2025 | Months Reserves exceed minimum required - 6 months required, borrowers have 93 months.<br>DSCR % greater than 1.20 - Rule False DSCR is 1.360, minimum required is 1.0<br>Long term residence - Borrowers have owned the subject property for more than 5 years. | DSCR > 1.15<br> Subject property home ownership > 5 years<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851734 | xxxxxx D B A | Closed | xxxxxx | 2025-11-24 15:30 | 2025-11-25 12:35 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. Exception for cash out is excess of $300K. - Due Diligence Vendor-11/25/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Lender exception to allow cash out to exceed max of $300,000 with an LTV of 60% ($490,389.45 total cash out). It should be noted that the LTV/CLTV of 5% is not a compensating factor as it directly relates to the exception in file. - Due Diligence Vendor-11/24/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for cash out is excess of $300K. - Due Diligence Vendor-11/25/2025<br>| Months Reserves exceed minimum required - 6 months required, borrowers have 93 months.<br>DSCR % greater than 1.20 - Rule False DSCR is 1.360, minimum required is 1.0<br>Long term residence - Borrowers have owned the subject property for more than 5 years. | DSCR > 1.15<br> Subject property home ownership > 5 years<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851796 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 14:08 | 2025-11-26 10:33 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received revised appraisal reflecting unit break out and phase. - Due Diligence Vendor-11/26/2025 <br> Open-Appraisal subject project phase number, type of units and rented/owner occupied units is blank. - Due Diligence Vendor-10/30/2025 |  | Resolved-Received revised appraisal reflecting unit break out and phase. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO and the borrower has a 730 FICO<br>Months Reserves exceed minimum required - 6 months required and the borrower has 84 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851796 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 14:22 | 2025-11-25 12:17 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-After further review, the investor concentration is below 50%. xxxxxx total units, xxxxxx rentals. - Due Diligence Vendor-11/25/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Does not break down number of investor owned units which may affect warrantability due to investor concentration. Number shown as xxxxxx off site units includes second homes. - Due Diligence Vendor-10/30/2025 |  | Resolved-After further review, the investor concentration is below 50%. xxxxxx total units, xxxxxx rentals. - Due Diligence Vendor-11/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO and the borrower has a 730 FICO<br>Months Reserves exceed minimum required - 6 months required and the borrower has 84 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851800 | xxxxxx D B A | Closed | xxxxxx | 2025-11-07 10:30 | 2025-11-20 14:26 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-After further review, there is no guideline for the municipal searches. - Due Diligence Vendor-11/20/2025 <br> Counter-Client comments - Municipal searches are not required, per guides - AUDIT response - If municipal liens are present, they are required to be paid and the loan file contains documentation to support the search was Ordered and not received yet. - Due Diligence Vendor-11/13/2025 <br> Open-Property Title Issue Missing evidence that the municipal searches noted on PDF 152 as ordered, not yet received were received and are all clear. Additional findings may apply. - Due Diligence Vendor-11/07/2025 |  | Resolved-After further review, there is no guideline for the municipal searches. - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 706 FICO exceeds 680 minimum required.<br>Months Reserves exceed minimum required - 31.47 months reserves and 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851800 | xxxxxx D B A | Closed | xxxxxx | 2025-11-05 14:25 | 2025-11-13 15:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Client waiver applied to non-material finding with compensating factors. Prepay in xxxxxx to a loan vested in an LLC. Confirmed term is 48 months. - Due Diligence Vendor-11/13/2025 <br> Counter-Waiver provided, however we need verification of the PPP terms prior to the waiver being applied. - Due Diligence Vendor-11/13/2025 <br> Counter-Received waiver-missing confirmation of prepay penalty terms as they do not match Tape. - Due Diligence Vendor-11/11/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36' Diligence value '48'. Note in file has 48 month Prepayment Penalty Term (PDF 221) and tape notes 36 months. - Due Diligence Vendor-11/05/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Prepay in xxxxxx to a loan vested in an LLC. Confirmed term is 48 months. - Due Diligence Vendor-11/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - 706 FICO exceeds 680 minimum required.<br>Months Reserves exceed minimum required - 31.47 months reserves and 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851800 | xxxxxx D B A | Closed | xxxxxx | 2025-11-07 11:02 | 2025-11-13 12:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-11/13/2025 <br> Open-Missing Third Party Fraud Report Missing fraud report from an approved vendor required by guidelines. Additional findings may apply. - Due Diligence Vendor-11/07/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-11/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 706 FICO exceeds 680 minimum required.<br>Months Reserves exceed minimum required - 31.47 months reserves and 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851815 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 19:18 | 2025-11-25 10:43 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, cash-out Letter is not required by the guidelines - Due Diligence Vendor-11/25/2025 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-11/18/2025 |  | Resolved-Upon further review, cash-out Letter is not required by the guidelines - Due Diligence Vendor-11/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.485 Required is 0.75 Borrower has 1.485<br>Long term residence - Borrower at primary residence 12 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851815 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 18:02 | 2025-11-25 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-11/25/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-11/17/2025 |  | Resolved-Received Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-11/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.485 Required is 0.75 Borrower has 1.485<br>Long term residence - Borrower at primary residence 12 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851820 | xxxxxx D B A | Closed | xxxxxx | 2025-12-05 08:32 | 2025-12-12 09:32 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-xxxxxx passport provided with a current print out of of countries participating in the xxxxxx, as required by the guides. xxxxxx is a participating country. - Due Diligence Vendor-12/12/2025 <br> Open-Borrower is missing valid Visa/I -797. Lender email in file page 164 asking lender to request exception however there is no formal approved exception in the file. - Due Diligence Vendor-12/05/2025 |  | Resolved-xxxxxx passport provided with a current print out of of countries participating in the states departments Visa Waiver program, as required by the guides. xxxxxx is a participating country. - Due Diligence Vendor-12/12/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.01 Borrower has 1.151<br>LTV is less than guideline maximum - Required is 75 Borrower has 57.65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851820 | xxxxxx D B A | Closed | xxxxxx | 2025-12-04 14:53 | 2025-12-10 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-12/10/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose and Occupancy affidavit - file contains certification that business purpose cert was completed at close from seller and occupancy affidavit, but statement of business purpose is not in file. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-12/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.01 Borrower has 1.151<br>LTV is less than guideline maximum - Required is 75 Borrower has 57.65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851820 | xxxxxx D B A | Closed | xxxxxx | 2025-12-08 10:20 | 2025-12-10 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received Borrower contact consent form - Due Diligence Vendor-12/10/2025 <br> Open-Borrower contact consent form is not in file - Due Diligence Vendor-12/08/2025 |  | Resolved-Received Borrower contact consent form - Due Diligence Vendor-12/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.01 Borrower has 1.151<br>LTV is less than guideline maximum - Required is 75 Borrower has 57.65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851820 | xxxxxx D B A | Closed | xxxxxx | 2025-12-08 10:19 | 2025-12-08 10:38 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client exception granted to allow gift funds for Foreign National. Non-material waiver applied with comp factors. Deemed non-material due to borrower has own sufficient reserves, low LTV and strong DSCR. - Due Diligence Vendor-12/08/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Gift funds not allowed for Foreign Nationals - Due Diligence Vendor-12/08/2025 |  | Waived-Client exception granted to allow gift funds for Foreign National. Non-material waiver applied with comp factors. Deemed non-material due to borrower has own sufficient reserves, low LTV and strong DSCR. - Due Diligence Vendor-12/08/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.01 Borrower has 1.151<br>LTV is less than guideline maximum - Required is 75 Borrower has 57.65 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DSCR > 1.15 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851821 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851830 | xxxxxx C A | Closed | xxxxxx | 2025-12-01 08:58 | 2025-12-03 14:24 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received xxxxxx Foreign Natl Affidavit. - Due Diligence Vendor-12/03/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. A xxxxxx Foreign National Affidavit is not in the loan file. - Due Diligence Vendor-12/01/2025 |  | Resolved-Received xxxxxx Foreign Natl Affidavit. - Due Diligence Vendor-12/03/2025 | Long term residence - Borrower at current residence for 8 years<br>Months Reserves exceed minimum required - 6 Months reserves are required and the borrower has over 33 months verified. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851830 | xxxxxx C A | Closed | xxxxxx | 2025-12-01 09:29 | 2025-12-02 12:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, a housing history is not required for a foreign national. - Due Diligence Vendor-12/02/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The final 1003 (page 277-280) reflects the borrowers own their primary residence with a mortgage. However, the loan file is missing a mortgage history. <br> Guidelines state: <br> HOUSING HISTORY – DSCR<br> • Housing history for the DSCR Doc type is required for the borrower's primary residence. <br> residence. - Due Diligence Vendor-12/01/2025 |  | Resolved-After further review, a housing history is not required for a foreign national. - Due Diligence Vendor-12/02/2025<br>| Long term residence - Borrower at current residence for 8 years<br>Months Reserves exceed minimum required - 6 Months reserves are required and the borrower has over 33 months verified. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851841 | xxxxxx C A | Closed | xxxxxx | 2025-10-28 12:22 | 2025-11-05 09:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage Document (Deed of Trust) with Legal. - Due Diligence Vendor-11/05/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received Mortgage Document (Deed of Trust) with Legal. - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - Borrower has 39.53 months of reserves and only needs 6 months to qualify.<br>LTV is less than guideline maximum - LTV is 67.9% and max allowed is 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851855 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851894 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851939 | xxxxxx D A C | Closed | xxxxxx | 2025-11-12 14:18 | 2025-11-19 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received business purpose affidavit reflecting proceeds for business purpose. - Due Diligence Vendor-11/19/2025 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-11/12/2025 |  | Resolved-Received business purpose affidavit reflecting proceeds for business purpose. - Due Diligence Vendor-11/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum DSCR is 0.75 Borrower has 1.433 Required is 0.75 Borrower has 1.433<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726 660 minimum FICO and the borrower has a 726 FICO<br>Months Reserves exceed minimum required - 2 months reserves PITIA required and the borrower has 20 months PITIA reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851949 | xxxxxx C A | Closed | xxxxxx | 2025-11-13 12:03 | 2025-11-17 16:52 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-After further review, this is a xxxxxx with no minimum DSCR. - Due Diligence Vendor-11/17/2025 <br> Counter-No document provided. File submitted as xxxxxx not xxxxxx per loan file. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-xxxxxx this is correct as is file meets xxxxxx guidelines. :) please clear xxxxxx xxxxxx - Seller-11/14/2025 <br> Open-The Calculated DSCR of '0.849' is less than the minimum DSCR per lender guidelines of '1'. The minimum DSCR on xxxxxx is 1. Additional findings may apply. - Due Diligence Vendor-11/14/2025 | Ready for Review-xxxxxx this is correct as is file meets xxxxxx guidelines. :) please clear xxxxxx xxxxxx - Seller-11/14/2025 | Resolved-After further review, this is a xxxxxx with no minimum DSCR. - Due Diligence Vendor-11/17/2025 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851956 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 851983 | xxxxxx C B A | Closed | xxxxxx | 2025-10-31 09:55 | 2025-12-03 09:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with compensating factors. Exception for no appliances, there is a hook up for all appliances. - Due Diligence Vendor-12/03/2025 <br> Counter-Confirm exception. Documents provided do not address missing appliances. - Due Diligence Vendor-12/01/2025 <br> Open-Property Issues are identified for the property xxxxxx. - Due Diligence Vendor-10/31/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for no appliances, there is a hook up for all appliances. - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - 94 months > 6 required<br>LTV is less than guideline maximum - 60% < 65% allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851983 | xxxxxx C B A | Closed | xxxxxx | 2025-10-31 10:21 | 2025-11-10 15:27 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Entity documents provided. - Due Diligence Vendor-11/10/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing all the following for Limited Liability Company (LLC):<br> • Entity articles of organization or partnership (or equivalent)<br> • Evidence of good standing for the state in which the entity was formed<br> • Entity documents authorizing the guarantor to execute loan documents on behalf of the entity (e.g., Operating Agreement, Certificate of Authorization)<br> • Entity documents that include a list of members/managers and ownership percentage (e.g., organization structure)<br> • EIN/Tax Identification Number<br> - Due Diligence Vendor-10/31/2025 |  | Resolved-Entity documents provided. - Due Diligence Vendor-11/10/2025<br>| Months Reserves exceed minimum required - 94 months > 6 required<br>LTV is less than guideline maximum - 60% < 65% allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851993 | xxxxxx C A | Closed | xxxxxx | 2025-10-30 17:14 | 2025-11-06 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received Affidavit for all borrowers. - Due Diligence Vendor-11/06/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. xxxxxx Foreign National Affidavit is Missing for borrowers. xxxxxx, xxxxxx and xxxxxx - Due Diligence Vendor-10/30/2025 |  | Resolved-Received Affidavit for all borrowers. - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - 80.45 months reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 67.90% LTV. Allowed 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852036 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 15:01 | 2025-11-12 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Title Update. - Due Diligence Vendor-11/12/2025 <br> Open-Title Document is Incomplete Title commitment is expired - Due Diligence Vendor-10/31/2025 |  | Resolved-Received Title Update. - Due Diligence Vendor-11/12/2025<br>| Months Reserves exceed minimum required - Minimum reserves required = 6 months PITI(a) for the subject property. The borrower has 75.09 months PITI(a)<br>DSCR % greater than 1.20 - Minimum DSCR = 1. Borrower's DSCR = 2.116 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852105 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 19:11 | 2026-01-23 09:13 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <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% ($214.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $214.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $214.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Years; Expiration Date: xxxxxx.<br> - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026<br>| Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-01/23/2026 | LTV is less than guideline maximum - LTV of 45.87% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 45.87<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 704 which exceeds the minimum of 680 Required is 680 Borrower has 704 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852140 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852143 | xxxxxx C A | Closed | xxxxxx | 2025-11-21 09:24 | 2025-12-03 14:27 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-12/03/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. 1004 only appraisal product provided - Due Diligence Vendor-11/21/2025 |  | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727<br>Months Reserves exceed minimum required - 18 months > 12 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852143 | xxxxxx C A | Closed | xxxxxx | 2025-11-21 16:12 | 2025-12-01 10:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of payments for rent. - Due Diligence Vendor-12/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Current primary home of 2 months is private landlord, missing proof of payment for rent to support the VOR. - Due Diligence Vendor-11/21/2025 |  | Resolved-Received proof of payments for rent. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727<br>Months Reserves exceed minimum required - 18 months > 12 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852146 | xxxxxx D A | Closed | xxxxxx | 2025-11-14 11:37 | 2025-11-24 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-11/24/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Provide Missing Business Purpose Affidavit Disclosure. <br>Guideline: The borrower is required to execute a Borrower Certification of Business Purpose and an Occupancy Certification or a Occupancy and Business Purpose Disclosure. Occupancy Affidavit in the file. - Due Diligence Vendor-11/14/2025 |  | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Score Required is 700 Borrower has 779. Required is 700 Borrower has 779 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852151 | xxxxxx D B A | Closed | xxxxxx | 2025-12-16 13:53 | 2026-01-05 20:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Upon further review, fiinding resolved. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. loan application was dated xxxxxx initial disclosures xxxxxx - Seller-01/05/2026 <br> Open------Missing Initial Loan Estimate Dated xxxxxx. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. loan application was dated xxxxxx initial disclosures xxxxxx - Seller-01/05/2026 | Resolved-Upon further review, fiinding resolved. - Due Diligence Vendor-01/06/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 678 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852151 | xxxxxx D B A | Closed | xxxxxx | 2025-12-16 12:44 | 2025-12-30 11:15 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received PUD Rider. - Due Diligence Vendor-12/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Pages 2-3 of the PUD Rider. - Due Diligence Vendor-12/16/2025 |  | Resolved-Received PUD Rider. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 678 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852151 | xxxxxx D B A | Closed | xxxxxx | 2025-12-16 13:22 | 2025-12-30 08:34 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/30/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,810.00) exceed the comparable charges ($2,411.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ------Ten (10%) tolerance fees (Recording Fees, Electronic Closing, NOS Prep Fee) increased by $157.90 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $157.90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. Missing Initial LE. - Due Diligence Vendor-12/16/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 678 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852151 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 14:37 | 2025-12-29 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert.<br> - Due Diligence Vendor-12/29/2025 <br> Open-Missing Flood Certificate - Due Diligence Vendor-12/17/2025 |  | Resolved-Received Flood Cert.<br> - Due Diligence Vendor-12/29/2025<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 678 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852151 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 16:28 | 2025-12-29 13:42 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Per guidelines "A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing." - Due Diligence Vendor-12/29/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 13 days old - Due Diligence Vendor-12/17/2025 |  | Resolved-Per guidelines "A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing." - Due Diligence Vendor-12/29/2025<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 678 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852151 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 16:46 | 2025-12-19 10:24 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Loan Approval. - Due Diligence Vendor-12/19/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/17/2025 |  | Resolved-Received Loan Approval. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 678 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852151 | xxxxxx D B A | Closed | xxxxxx | 2025-12-16 12:52 | 2025-12-16 14:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Client waiver applied to non-material Findings.<br>- Due Diligence Vendor-12/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing ------Client waiver applied to non-material Findings.<br>- Due Diligence Vendor-12/16/2025<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 678 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852151 | xxxxxx D B A | Closed | xxxxxx | 2025-12-16 12:52 | 2025-12-16 13:34 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/16/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/16/2025<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 678 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852190 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 852203 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-10 19:01 | 2026-02-10 19:01 | Waived | 1 - Information B | Property | Appraisal | Secondary Valuation Tolerance Issue | Waived--File contains 2 secondary products as first product did not support value within 10%. Second product obtained remained outside of -10% tolerance and lender used lower value for LTV. - Due Diligence Vendor-02/11/2026 |  | Waived--File contains 2 secondary products as first product did not support value within 10%. Second product obtained remained outside of -10% tolerance and lender used lower value for LTV. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 740 FICO; 720 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.89<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 31.28 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852203 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-24 13:25 | 2026-01-05 14:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC and CD dated xxxxxx. - Due Diligence Vendor-01/05/2026 <br> Counter-----COC is dated xxxxxx which is more than 3 days before the final CD. Please provide copy of signed CD for the COC. Finding Remains. - Due Diligence Vendor-01/02/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $500.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $500.00 (Appraisal Drive By) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $500.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-12/24/2025 |  | Resolved-Received COC and CD dated xxxxxx. - Due Diligence Vendor-01/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - 740 FICO; 720 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.89<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 31.28 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852203 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-29 15:52 | 2026-01-02 10:32 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Final CD and Field Review. - Due Diligence Vendor-01/02/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing executed Final CD and secondary valuation that supports value - Due Diligence Vendor-12/29/2025 |  | Resolved-Received Final CD and Field Review. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 740 FICO; 720 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.89<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 31.28 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852203 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-29 15:52 | 2026-01-02 10:32 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received Final CD and Field Review. - Due Diligence Vendor-01/02/2026 <br> Open-The Originator QM Status is not the same as the Final QM Status. Missing executed Final CD and secondary valuation that supports value - Due Diligence Vendor-12/29/2025 |  | Resolved-Received Final CD and Field Review. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 740 FICO; 720 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.89<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 31.28 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852203 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-29 16:00 | 2026-01-02 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Final Signed Closing Disclosure. - Due Diligence Vendor-01/02/2026 <br> Open-Missing executed final Closing Disclosure (document provided is not signed) - Due Diligence Vendor-12/29/2025 |  | Resolved-Received Final Signed Closing Disclosure. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 740 FICO; 720 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.89<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 31.28 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852203 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-29 14:16 | 2025-12-31 10:38 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Received Field Review. Value Supported with no variance. - Due Diligence Vendor-12/31/2025 <br> Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-16.85'. Both AVM's exceed 10% variance. Missing secondary valuation that supports value - Due Diligence Vendor-12/29/2025 |  | Resolved-Received Field Review. Value Supported with no variance. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 740 FICO; 720 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.89<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 31.28 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852203 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-23 14:58 | 2025-12-23 14:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/23/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 740 FICO; 720 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.89<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 31.28 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852203 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-23 14:58 | 2025-12-23 14:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Attorney Preference Letter | Waived-Right To Choose Attorney or Attorney Preference Not In File Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/23/2025 |  | Waived-Right To Choose Attorney or Attorney Preference Not In File Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 740 FICO; 720 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.89<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 31.28 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852203 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-23 14:58 | 2025-12-23 14:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/23/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 740 FICO; 720 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.89<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 31.28 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852208 | xxxxxx D A C | Closed | xxxxxx | 2025-12-02 10:24 | 2025-12-11 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-12/10/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Affidavit/Disclosure Missing - Due Diligence Vendor-12/02/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-12/10/2025<br>| Months Reserves exceed minimum required - 25.92 months reserves; 12 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852208 | xxxxxx D A C | Closed | xxxxxx | 2025-12-02 10:24 | 2025-12-11 10:13 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received w-9 documenting EIN - Due Diligence Vendor-12/11/2025 <br> Open-The Business Entity Formation Document is incomplete Missing EIN number for xxxxxx a xxxxxx Limited Liability. - Due Diligence Vendor-12/02/2025 |  | Resolved-Received w-9 documenting EIN - Due Diligence Vendor-12/11/2025<br>| Months Reserves exceed minimum required - 25.92 months reserves; 12 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852208 | xxxxxx D A C | Closed | xxxxxx | 2025-12-02 14:19 | 2025-12-11 10:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/11/2025 <br> Open-Asset 2 Less Than 2 Months Verified - Due Diligence Vendor-12/02/2025 |  | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/11/2025<br>| Months Reserves exceed minimum required - 25.92 months reserves; 12 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852208 | xxxxxx D A C | Closed | xxxxxx | 2025-12-02 14:19 | 2025-12-11 10:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/11/2025 <br> Open-Asset 1 Less Than 2 Months Verified - Due Diligence Vendor-12/02/2025 |  | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/11/2025<br>| Months Reserves exceed minimum required - 25.92 months reserves; 12 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852208 | xxxxxx D A C | Closed | xxxxxx | 2025-12-02 10:43 | 2025-12-11 10:08 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-12/11/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing the additional valuation product required per the guidelines. - Due Diligence Vendor-12/02/2025 |  | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-12/11/2025<br>| Months Reserves exceed minimum required - 25.92 months reserves; 12 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852208 | xxxxxx D A C | Closed | xxxxxx | 2025-12-02 11:06 | 2025-12-10 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH Form. - Due Diligence Vendor-12/10/2025 <br> Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-12/02/2025 |  | Resolved-Received ACH Form. - Due Diligence Vendor-12/10/2025<br>| Months Reserves exceed minimum required - 25.92 months reserves; 12 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852231 | xxxxxx C A | Closed | xxxxxx | 2025-11-24 16:37 | 2025-12-02 16:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Note. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-11/28/2025 <br> Open-There are Issues Present on the Note that must be addressed. Investor does not allow electronic/hybrid signatures on the note - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-11/28/2025<br>| Resolved-Received Note. - Due Diligence Vendor-12/02/2025<br>| Months Reserves exceed minimum required - 9.02mos reserves. Per guides, 6mos reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852262 | xxxxxx C A | Closed | xxxxxx | 2025-11-06 16:22 | 2025-12-04 13:53 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Updated Title. - Due Diligence Vendor-12/04/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-11/06/2025 |  | Resolved-Received Updated Title. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - 119.66 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852262 | xxxxxx C A | Closed | xxxxxx | 2025-11-06 16:52 | 2025-11-13 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, B2 has owned a primary residence > 1 years. Guidelines state only one Guarantor must meet the requirements. - Due Diligence Vendor-11/13/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Borrower 1 has owned subject for less than one year making them a first time investor. Guides require first time investors to own a primary residence for at least one year however borrower is rent free. Additionally, fraud report shows no current REO. - Due Diligence Vendor-11/06/2025 |  | Resolved-Upon further review, B2 has owned a primary residence > 1 years. Guidelines state only one Guarantor must meet the requirements. - Due Diligence Vendor-11/13/2025<br>| Months Reserves exceed minimum required - 119.66 months reserves; 6 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852275 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 17:04 | 2025-11-13 16:34 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Updated HUD and title provided removing the lien. No housing history required. - Due Diligence Vendor-11/13/2025 <br> Counter-Client comments - please see attached , as per the guidelines it is OR LEASE AGREEMENT - MUST ALSO INCLUDE 12 MONTHS WIRE TRANSFER RECEIPTS OR CANCELLED CHECKS - AUDIT RESPONSE - Please provide the 12 month wire transfer receipts or cancelled checks. - Due Diligence Vendor-11/12/2025 <br> Counter-VOR provided, however we are missing the 12 month payment history for the subject property. - Due Diligence Vendor-11/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing housing payment history on subject for private mortgage lien paid off at closing per Final CD - Due Diligence Vendor-11/05/2025 |  | Resolved-Updated HUD and title provided removing the lien. No housing history required. - Due Diligence Vendor-11/13/2025<br>| Months Reserves exceed minimum required - Required reserves is 6 months - actual is 41.55 months reserves<br>LTV is less than guideline maximum - Maximum LTV is 70% - actual LTV is 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852275 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 16:53 | 2025-11-10 11:15 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received documentation to support taxes paid prior to closed. - Due Diligence Vendor-11/10/2025 <br>Open-The subject property is not current on taxes. Delinquent property taxes per title, Schedule B, Items B and C do not appear to have been paid at closing per Final CD - Due Diligence Vendor-11/05/2025 |  | Resolved-Received documentation to support taxes paid prior to closed. - Due Diligence Vendor-11/10/2025<br>| Months Reserves exceed minimum required - Required reserves is 6 months - actual is 41.55 months reserves<br>LTV is less than guideline maximum - Maximum LTV is 70% - actual LTV is 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852275 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 17:14 | 2025-11-10 11:12 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Upon further review, Market Rent was used for qualification. - Due Diligence Vendor-11/10/2025 <br>Open-Missing 2 mos rent receipt on subject property - Due Diligence Vendor-11/05/2025 |  | Resolved-Upon further review, Market Rent was used for qualification. - Due Diligence Vendor-11/10/2025<br>| Months Reserves exceed minimum required - Required reserves is 6 months - actual is 41.55 months reserves<br>LTV is less than guideline maximum - Maximum LTV is 70% - actual LTV is 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852277 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852326 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852363 | xxxxxx D B A C | Closed | xxxxxx | 2026-02-11 17:07 | 2026-02-11 17:08 | Waived | 2 - Non-Material C B | Property | Appraisal | Unsupported adjustments or comps | Waived-Client provided a waiver: The appraisal utilized comp sale 1 with a +16.9% net adjustment, applied to non-material finding with comp factors. Desk Review supports value and reflects additional properties of similar size and xxxxxx count that support value.<br> - Due Diligence Vendor-02/11/2026 <br> Open-An exception in file was provided indicating, "The appraisal utilized comp sale 1 with a +16.9% net adjustment". Auditor is unable to determine what the exception is for as the appraiser notes value primarily driven by weighing comps 1 and 3. - Due Diligence Vendor-02/11/2026 |  | Waived-Client provided a waiver: The appraisal utilized comp sale 1 with a +16.9% net adjustment, applied to non-material finding with comp factors. Desk Review supports value and reflects additional properties of similar size and xxxxxx count that support value.<br> - Due Diligence Vendor-02/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852363 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 11:55 | 2025-12-15 10:58 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation email from Code Enforcement Officer. - Due Diligence Vendor-12/15/2025 <br> Open-Property Title Issue Missing confirmation that the subject may operate as a short-term rental and still be considered residential purpose. Deed restrictions do not allow commercial use. State and local regulations may define residential use vs commercial use differently. Therefore, state and local regulations must confirm subject's current use is not in violation of the deed restrictions. Additionally missing the Declaration of Deed Restrictions dated xxxxxx and Deed Restrictions dated xxxxxx. Auditor is unable to determine if the restrictions outlined on the Quit Claim Deed encompass both documents. Additional findings may apply. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received confirmation email from Code Enforcement Officer. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852363 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 11:55 | 2025-12-15 10:58 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Tenants in Common agreement executed prior to closing, and the transfer deed was executed and recorded at closing. As a result, the TIC does not impact vesting and is not reflected in the 24-month chain of title. - Due Diligence Vendor-12/12/2025 <br> Counter-Received Quit Claim signed xxxxxx. Missing 24 month chain of title. - Due Diligence Vendor-12/05/2025 <br> Open-Unsatisfactory Chain of Title provided. Per title only transfer occurred at time of purchase on xxxxxx. However, a Tenancy in Common Agreement made between both vesting entities was entered into on xxxxxx (prior to closing). For that agreement to be legal there must have been a deed transfer which was not included by title. Additional findings may apply. - Due Diligence Vendor-11/26/2025 |  | Resolved-Tenants in Common agreement executed prior to closing, and the transfer deed was executed and recorded at closing. As a result, the TIC does not impact vesting and is not reflected in the 24-month chain of title. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852363 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 12:17 | 2025-12-09 12:08 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received Revisions Request. - Due Diligence Vendor-12/09/2025 <br>Open-Unable to determine what the questions were to all of the review responses on 10/17/25 and 10/22/25 as the questions were not provided. <br> - Due Diligence Vendor-11/26/2025 |  | Resolved-Received Revisions Request. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852363 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 12:50 | 2025-12-05 10:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Asset 1 Verified Sufficiently - Due Diligence Vendor-12/05/2025 <br> Open-Asset 1 Less Than 2 Months Verified Missing consecutive bank statement for personal account to support liquid asset reserves as required per 8B.<br> - Due Diligence Vendor-11/26/2025 |  | Resolved-Asset 1 Verified Sufficiently - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852363 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 12:50 | 2025-12-05 10:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Asset 2 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-12/05/2025 <br>Open-Asset 2 Less Than 2 Months Verified Missing consecutive bank statement for business account to support liquid asset reserves as required per 8B.<br> - Due Diligence Vendor-11/26/2025 |  | Resolved-Asset 2 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852363 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 12:50 | 2025-12-05 10:33 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Borrower no longer using assets. Guides allow cash out to be used as reserves. - Due Diligence Vendor-12/05/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Delayed financing document received. Per guides defer to xxxxxx when silent. Missing: <br> (1) Source of the following deposits into personal account used for purchase (a) $50k xxxxxx 09/19 (b) $50k xxxxxx 09/19 (c) $140k Deposit 09/15 (d) funds held in trust must be document borrowers are eligible to receive funds in accordance with xxxxxx guides. Additional sourcing may be required if transferred funds were used for the sources requested. <br> (2) Bank statement showing $20K EMD funds coming out and funded solely by available business asssets<br> (3) Second consecutive months bank statement to show seasoning of funds used for acquisition. Liquid Asset Reserves section states acquisition funds must be documented as part of the reserves requirement and goes on to say a 60-day period should be covered. <br> (4) Additional findings may apply. - Due Diligence Vendor-11/26/2025 |  | Resolved-Borrower no longer using assets. Guides allow cash out to be used as reserves. - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852363 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-26 12:26 | 2025-12-05 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI premium. - Due Diligence Vendor-12/05/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Premium not documented in the loan file. Email only says it was paid in full; does not disclose amount. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received HOI premium. - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852384 | xxxxxx C A | Closed | xxxxxx | 2025-11-19 08:19 | 2026-02-09 10:31 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value supported. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. - Seller-11/20/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing a commercial BPO or second appraisal as per guides. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025<br>| Resolved-Received BPO. Value supported. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - 6 months reserves required - have 18.71 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852389 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-17 12:35 | 2025-12-01 09:30 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Supplemental addendum provided with all info included on a 1007. - Due Diligence Vendor-12/01/2025 <br>Open-Subject is an investment. the appraiser completed an addendum reflecting the rent information, per the guidelines form 1007 is required. - Due Diligence Vendor-11/17/2025 |  | Resolved-Supplemental addendum provided with all info included on a 1007. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766 Score for grading is 766, guidelines minimum is 700.<br>DSCR % greater than 1.20 - Calculated DSCR is 1.435, guideline minimum is 1 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852389 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-14 18:29 | 2025-11-24 11:02 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/24/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-11/14/2025 |  | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766 Score for grading is 766, guidelines minimum is 700.<br>DSCR % greater than 1.20 - Calculated DSCR is 1.435, guideline minimum is 1 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852389 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-17 12:56 | 2025-11-17 13:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/10/2026 <br> Open-Property Issues are identified for the property Subject property gross xxxxxx square feet, guidelines require 700 square feet. Exception form provided. No-material with comp factors. - Due Diligence Vendor-11/17/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766 Score for grading is 766, guidelines minimum is 700.<br>DSCR % greater than 1.20 - Calculated DSCR is 1.435, guideline minimum is 1 | Credit Score 10 points minimum required 700(766); DSCR1.356%(calculated at 1.435). Сиrrent primary home-ownership B1-and B2 4-years>years;-Current primary-home ownership B3-10 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 852454 | xxxxxx C A B | Closed | xxxxxx | 2025-11-13 16:14 | 2025-11-20 14:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, Cashout covers reserves. - Due Diligence Vendor-11/20/2025 <br>Open-Audited Reserves of 3.56 month(s) are less than Guideline Required Reserves of 12 month(s) Insufficient assets in file. - Due Diligence Vendor-11/13/2025 |  | Resolved-After further review, Cashout covers reserves. - Due Diligence Vendor-11/20/2025<br>| Credit history exceeds minimum required - 84 month credit history exceed 0-12 months per guides.<br>Qualifying FICO score is at least 20 points above minimum for program - Required score is 680 and Borrower has 726 Required is 680 Borrower has 726 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852605 | xxxxxx C B A | Closed | xxxxxx | 2025-11-21 14:27 | 2025-11-21 14:27 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-11/21/2025 <br> Open-Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-11/21/2025 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-11/21/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x48<br>Credit history exceeds minimum required - Borrower has more than 3 active tradelines with over 12 months history reported and no late payments. <br>Months Reserves exceed minimum required - Guides require 2 months reserves and the borrower has 20 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852605 | xxxxxx C B A | Closed | xxxxxx | 2025-11-17 10:06 | 2025-11-21 11:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-11/21/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-11/17/2025 |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-11/21/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x48<br>Credit history exceeds minimum required - Borrower has more than 3 active tradelines with over 12 months history reported and no late payments. <br>Months Reserves exceed minimum required - Guides require 2 months reserves and the borrower has 20 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852754 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852771 | xxxxxx D B A | Closed | xxxxxx | 2026-01-05 10:27 | 2026-01-13 17:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-The seller pointed out that the appraiser's recent comments regarding the HOA are on the Supplemental Addendum, which is in front of the appraisal report. - Due Diligence Vendor-01/13/2026 <br> Counter-Review received Type Q Limited Review warranty only. Provide HOA questionnaire or appraisal confirming no litigation and no special assessments. - Due Diligence Vendor-01/13/2026 <br> Counter-Appraiser stated he was unable to contact the HOA and it is an extraordinary assumption there are not special assessment fees or pending litigation. Finding remains. - Due Diligence Vendor-01/09/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-01/05/2026 |  | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.86<br>Months Reserves exceed minimum required - 15.9 mos reserves; 0 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852771 | xxxxxx D B A | Closed | xxxxxx | 2026-01-02 10:37 | 2026-01-09 08:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received Right of Rescission. Finding Resolved. - Due Diligence Vendor-01/09/2026 <br>Open-Right of Rescission is Missing Provide the executed Right of Recission to include all parties. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received Right of Rescission. Finding Resolved. - Due Diligence Vendor-01/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.86<br>Months Reserves exceed minimum required - 15.9 mos reserves; 0 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852771 | xxxxxx D B A | Closed | xxxxxx | 2026-01-02 10:57 | 2026-01-09 08:05 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/09/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $50.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $50.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $50.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-01/02/2026 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/09/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.86<br>Months Reserves exceed minimum required - 15.9 mos reserves; 0 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852771 | xxxxxx D B A | Closed | xxxxxx | 2026-01-02 10:37 | 2026-01-02 10:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.86<br>Months Reserves exceed minimum required - 15.9 mos reserves; 0 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852783 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 12:51 | 2026-01-12 09:17 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Most recent xxxxxx statements received. The assets in this account were an inheritance and are sourced with documentation confirming. - Due Diligence Vendor-01/12/2026 <br> Counter-Pending receipt of most recent 6 months of consecutive asset statements are required to verify stable balance history. xxxxxx Bank Acctxxxxxx is included in asset calc but only the most recent 2 mos of stmts were provided. 6 mos total needed. Additional conditions may apply. - Due Diligence Vendor-12/30/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Final QM status pending as complete asset docs for B1 were not provided. - Due Diligence Vendor-12/09/2025 |  | Resolved-Most recent xxxxxx statements received. The assets in this account were an inheritance and are sourced with documentation confirming. - Due Diligence Vendor-01/12/2026<br>| Months Reserves exceed minimum required - 3 mos for the subject + 2 mos for retained REO required and Brw has 473 mos confirmed. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 660 - actual FICO score is 784. Required is 660 Borrower has 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852783 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 12:47 | 2026-01-12 09:17 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Most recent xxxxxx statements received. The assets in this account were an inheritance and are sourced with documentation confirming. - Due Diligence Vendor-01/12/2026 <br> Counter-Received duplicate documentation. Most recent 6 months of consecutive asset statements are required to verify stable balance history. xxxxxx Bank Acctxxxxxx is included in asset calc but only the most recent 2 mos of stmts were provided. 6 mos total needed. Additional conditions may apply. - Due Diligence Vendor-12/30/2025 <br> Open-Income and Employment Do Not Meet Guidelines B1 is using Asset Utilization for qualifying. Most recent 6 months of consecutive asset statements are required to verify stable balance history. xxxxxx Bank Acctxxxxxx is included in asset calc but only the most recent 2 mos of stmts were provided. 6 mos total needed. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 |  | Resolved-Most recent xxxxxx statements received. The assets in this account were an inheritance and are sourced with documentation confirming. - Due Diligence Vendor-01/12/2026<br>| Months Reserves exceed minimum required - 3 mos for the subject + 2 mos for retained REO required and Brw has 473 mos confirmed. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 660 - actual FICO score is 784. Required is 660 Borrower has 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852783 | xxxxxx C A | Closed | xxxxxx | 2025-12-08 11:47 | 2025-12-30 11:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of Notary page. - Due Diligence Vendor-12/30/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing notary (pg 29/29 of mortgage) - Due Diligence Vendor-12/08/2025 |  | Resolved-Received complete security instrument inclusive of Notary page. - Due Diligence Vendor-12/30/2025<br>| Months Reserves exceed minimum required - 3 mos for the subject + 2 mos for retained REO required and Brw has 473 mos confirmed. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 660 - actual FICO score is 784. Required is 660 Borrower has 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852783 | xxxxxx C A | Closed | xxxxxx | 2025-12-08 12:36 | 2025-12-19 15:21 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, no further documentation is needed or required. COC is in file for increase of recording fee. - Due Diligence Vendor-12/19/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($471.00) exceed the comparable charges ($377.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $56.30 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of 53.80, after remaining lender credit on final CD, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations -1 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-12/08/2025 |  | Resolved-Upon further review, no further documentation is needed or required. COC is in file for increase of recording fee. - Due Diligence Vendor-12/19/2025<br>| Months Reserves exceed minimum required - 3 mos for the subject + 2 mos for retained REO required and Brw has 473 mos confirmed. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 660 - actual FICO score is 784. Required is 660 Borrower has 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852803 | xxxxxx D A | Closed | xxxxxx | 2025-11-25 12:54 | 2025-12-05 11:29 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report with all parties. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Counter-Received updated fraud report reflecting listing and selling agent-missing real estate companies. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Listing and selling agents and companies to be added to interested parties/ OFAC. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received Fraud Report with all parties. - Due Diligence Vendor-12/05/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR Required is 0.01 Borrower has 1.094<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 686 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852803 | xxxxxx D A | Closed | xxxxxx | 2025-11-24 16:30 | 2025-12-01 15:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received closing statement. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Provide final closing statement or equivalent<br> - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received closing statement. - Due Diligence Vendor-12/01/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR Required is 0.01 Borrower has 1.094<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 686 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852808 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 15:31 | 2026-01-07 12:59 | Waived | 2 - Non-Material D B | Credit | Eligibility | Borrower 1 Gap Employment Letter Missing | Waived-The request for an exception for missing gap letter criteria is granted - Due Diligence Vendor-01/07/2026 <br> Counter-Processor Cert provided, please provide the LOE from the borrower. - Due Diligence Vendor-01/02/2026 <br> Open-Any gaps in employment that span one or more months must be explained. The loan application reflected the borrower had a gap of employment from xxxxxx to xxxxxx that was not addressed. - Due Diligence Vendor-12/30/2025 |  | Waived-The request for an exception for missing gap letter criteria is granted - Due Diligence Vendor-01/07/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 72.24<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - 0x30 for 24 months on all mortgages | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852808 | xxxxxx D B A | Closed | xxxxxx | 2025-12-11 15:57 | 2025-12-29 10:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-12/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description attached to deed of trust. - Due Diligence Vendor-12/16/2025 |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-12/29/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 72.24<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852808 | xxxxxx D B A | Closed | xxxxxx | 2025-12-11 15:48 | 2025-12-17 11:24 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 9.363% is within allowable threshold of APOR of 6.230% + 3.75% or 9.980%. - Due Diligence Vendor-12/17/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 9.363% is within allowable threshold of APOR of 6.230% + 3.75% or 9.980%. <br> - Due Diligence Vendor-12/11/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 9.363% is within allowable threshold of APOR of 6.230% + 3.75% or 9.980%. - Due Diligence Vendor-12/17/2025 | CLTV is less than guidelines maximum - Required is 90 Borrower has 72.24<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852808 | xxxxxx D B A | Closed | xxxxxx | 2025-12-12 06:31 | 2025-12-12 06:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/12/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 72.24<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852812 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 08:09 | 2025-12-05 18:15 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the mortgage reports on the credit report. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Primary res mortgage statement included in original upload, reuploaded - Seller-12/05/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing verification of rent for the borrower's primary residence. Additional conditions may apply. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Primary res mortgage statement included in original upload, reuploaded - Seller-12/05/2025<br>| Resolved-After further review, the mortgage reports on the credit report. - Due Diligence Vendor-12/05/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Borrower verified 8+ months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700. Borrower's qualifying FICO is 735. Required is 700 Borrower has 735 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852812 | xxxxxx D A | Closed | xxxxxx | 2025-12-04 14:52 | 2025-12-05 18:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Proof of rent received. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Bank statement included in original upload, showing deposit of rent, reuploaded - Seller-12/05/2025 <br>Open-If using a higher actual lease amount, evidence of 1-month of receipt or security deposit is required per the guidelines. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Bank statement included in original upload, showing deposit of rent, reuploaded - Seller-12/05/2025<br>| Resolved-Proof of rent received. - Due Diligence Vendor-12/05/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Borrower verified 8+ months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700. Borrower's qualifying FICO is 735. Required is 700 Borrower has 735 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852813 | xxxxxx C A | Closed | xxxxxx | 2025-11-20 12:17 | 2025-11-25 10:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. uploaded legal - Seller-11/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide the subject property's legal description - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. uploaded legal - Seller-11/22/2025<br>| Resolved-Received Legal - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 789<br>Months Reserves exceed minimum required - Reserves = 11 months – Required Reserves = 3 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852918 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 09:25 | 2025-12-30 12:20 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Per client 7 months / 24 months. - Due Diligence Vendor-12/23/2025 <br>Open-ATR: The Lender did not document all ATR Factors - Due Diligence Vendor-12/09/2025 |  | Resolved-Per client 7 months / 24 months. - Due Diligence Vendor-12/23/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 753; minimum score 700 Required is 700 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852918 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 09:25 | 2025-12-30 12:20 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Per client 7 months / 24 months. - Due Diligence Vendor-12/23/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-12/09/2025 |  | Resolved-Per client 7 months / 24 months. - Due Diligence Vendor-12/23/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 753; minimum score 700 Required is 700 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852918 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 09:24 | 2025-12-30 12:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Per client 7 months / 24 months. - Due Diligence Vendor-12/23/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing 24 months bank statements for xxxxxx xxxxxxxxx. only provided 7 mos. Per loan approval we need 24 months. and processor cert stated borrower opened on xxxxxx.<br> Audit only used xxxxxx bank xxxxxxxx and xxxxxx xxxxxxxx 24 months each. - Due Diligence Vendor-12/05/2025 |  | Resolved-Per client 7 months / 24 months. - Due Diligence Vendor-12/23/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 753; minimum score 700 Required is 700 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852918 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 09:31 | 2025-12-23 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.15% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/23/2025 <br> Open-Audited DTI of 56.56% exceeds Guideline DTI of 50% - 2 24 mos used xxxxxx xxxxxxxx and xxxxxx xxxxxxxx auditor income total came in lower then lender. Lender appears to have used the other acct with only 7 months which is xxxxxx xxxxxxxx we cannot use - we need 24 months and loan approval also required to have 24 months. - Due Diligence Vendor-12/09/2025 |  | Resolved-Audited DTI of 47.15% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/23/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 753; minimum score 700 Required is 700 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852918 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 09:15 | 2025-12-23 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-12/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/09/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-12/19/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 753; minimum score 700 Required is 700 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852918 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 09:22 | 2025-12-19 11:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received OFAC for xxxxxx and Loan Officer. - Due Diligence Vendor-12/19/2025 <br> Open-Fraud Report Shows Uncleared Alerts - Missing Sam.gov for borrower xxxxxx xxxxxx and Lona officer xxxxxx xxxxxx. - Due Diligence Vendor-12/09/2025 |  | Resolved-Received OFAC for xxxxxx and Loan Officer. - Due Diligence Vendor-12/19/2025 | CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 753; minimum score 700 Required is 700 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852937 | xxxxxx D B A | Closed | xxxxxx | 2026-01-05 08:49 | 2026-01-06 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-LOX on HOA provided. - Due Diligence Vendor-01/06/2026 <br>Open-Missing LOX for HOA fee noted on 1008 when appraisal notes no HOA fees, amount may need to be added to DTI. Additional findings may apply. - Due Diligence Vendor-01/05/2026 |  | Resolved-LOX on HOA provided. - Due Diligence Vendor-01/06/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.8 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852937 | xxxxxx D B A | Closed | xxxxxx | 2026-01-05 08:54 | 2026-01-06 15:20 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Private Road Maintenance Agreement | Resolved-Private Road maintenance agreement provided. - Due Diligence Vendor-01/06/2026 <br> Open-Missing evidence of a permanent easement for ingress and egress with provisions for xxxxxx required by Guidelines. Audit is unable to determine if the easements noted on title refer to the xxxxxx, lender to confirm where the easement is located. - Due Diligence Vendor-01/05/2026 |  | Resolved-Private xxxxxx agreement provided. - Due Diligence Vendor-01/06/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.8 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852937 | xxxxxx D B A | Closed | xxxxxx | 2026-01-05 07:23 | 2026-01-06 10:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client waiver applied to non material finding with comp factors. Comparable properties also reflect xxxxxx and xxxxxx and support marketability for the subject area. - Due Diligence Vendor-02/10/2026 <br> Open-Appraiser to address page 1 of appraisal that notes xxxxxx and xxxxxx and comments that state subject is connected to xxxxxx are not currently available to the subject site. Additional findings may apply. - Due Diligence Vendor-01/05/2026 |  | Waived-Client waiver applied to non material finding with comp factors. Comparable properties also reflect xxxxxx and support marketability for the subject area. - Due Diligence Vendor-02/10/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.8 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852964 | xxxxxx D A C | Closed | xxxxxx | 2025-12-05 13:58 | 2026-01-14 12:52 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-After further review, the settlement statement indicates a refund of gift funds in the amount of $4,900. - Due Diligence Vendor-01/14/2026 <br> Counter- Received Gift letters for 20k gifts. Initial finding is for proof of receipt of 15k. Bank statement did not document receipt of $15, 100 gift. Missing proof of wire for noted gift. - Due Diligence Vendor-01/12/2026 <br> Counter-Received bank statement. Gift letter from for $15,100k; however, proof of wire receipt is for $20,000. Provide LOX/Gift letter for additional funds. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 <br> Counter-Received Statement print outs. Print out did not include Bank Name, Bank Stamp, URL, Borrower Name, etc to validate statements - Due Diligence Vendor-12/10/2025 <br> Open-Gift from xxxxxx was for $15,100k per the gift letter, however, $20,000 was wired to escrow. - Due Diligence Vendor-12/08/2025 |  | Resolved-After further review, the settlement statement indicates a refund of gift funds in the amount of $4,900. - Due Diligence Vendor-01/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 12.6.<br>LTV is less than guideline maximum - Required is 90. Borrower has 80. Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 782. Required is 640 Borrower has 782 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852964 | xxxxxx D A C | Closed | xxxxxx | 2025-12-05 14:00 | 2026-01-07 16:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Additional funds from xxxxxx in file. - Due Diligence Vendor-01/07/2026 <br>Counter-Received Bank Statement. Gift funds are not eligible for reserves. Funds still insufficient. Finding remains. - Due Diligence Vendor-01/06/2026 <br>Counter-Received duplicate documentation. Original finding remains. - Due Diligence Vendor-12/17/2025 <br>Counter-Received Statement print outs. Print out did not include Bank Name, Bank Stamp, URL, Borrower Name, etc to validate statements - Due Diligence Vendor-12/10/2025 <br>Open-Audited Reserves of 4.31 month(s) are less than Guideline Required Reserves of 6 month(s) Guidelines require 6 months of reserves. The borrower verified 4.31 months of reserves. Guidelines state that gift funds cannot be used to meet the reserves requirement. - Due Diligence Vendor-12/05/2025 |  | Resolved-Additional funds from xxxxxx in file. - Due Diligence Vendor-01/07/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 12.6.<br>LTV is less than guideline maximum - Required is 90. Borrower has 80. Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 782. Required is 640 Borrower has 782 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852964 | xxxxxx D A C | Closed | xxxxxx | 2025-12-05 13:41 | 2026-01-07 12:32 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-2 Consecutive statements for Acct xxxxxx received - Due Diligence Vendor-01/07/2026 <br> Counter-Received 1 month bank statement. Missing additional consecutive statement meeting guideline requirements. Finding remains. - Due Diligence Vendor-01/06/2026 <br> Counter-Received Statement print outs. Print out did not include Bank Name, Bank Stamp, URL, Borrower Name, etc to validate statements - Due Diligence Vendor-12/10/2025 <br> Open-Asset 1 Less Than 2 Months Verified Guidelines state the asset statements provided must include a minimum consecutive 60 days. Asset statements provided are dated 09/25/2025 through 10/24/2025 and 10/23/2025 through 11/20/2025. - Due Diligence Vendor-12/08/2025 |  | Resolved-2 Consecutive statements for Acct xxxxxx received - Due Diligence Vendor-01/07/2026 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 12.6.<br>LTV is less than guideline maximum - Required is 90. Borrower has 80. Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 782. Required is 640 Borrower has 782 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852964 | xxxxxx D A C | Closed | xxxxxx | 2025-12-05 13:34 | 2025-12-11 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-12/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing The guidelines state a xxxxxx dated within 10 days of Note date must be provided with the closed loan package. The xxxxxx report is missing from the loan file. - Due Diligence Vendor-12/08/2025 |  | Resolved-Received Gap report. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 12.6.<br>LTV is less than guideline maximum - Required is 90. Borrower has 80. Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 782. Required is 640 Borrower has 782 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852964 | xxxxxx D A C | Closed | xxxxxx | 2025-12-03 17:46 | 2025-12-10 07:44 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/10/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 1 years- Expiration date is xxxxxx. - Due Diligence Vendor-12/04/2025 |  | Resolved------Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/10/2025 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 12.6.<br>LTV is less than guideline maximum - Required is 90. Borrower has 80. Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 782. Required is 640 Borrower has 782 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852982 | xxxxxx D A | Closed | xxxxxx | 2025-11-21 10:57 | 2025-12-04 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-After further review, the borrower is a foreign national and the below guides apply to a non-per resident. - Due Diligence Vendor-12/04/2025 <br> Counter-The code on that is WT which is not allowed per guides- finding remains - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/02/2025 <br> Counter-Received screen print of I94. Admission classification is WT, which is limited to 90 day max stay with no extensions. Finding remains. - Due Diligence Vendor-12/02/2025 <br> Open-Borrower Citizenship Documentation Is Missing The loan file contains a I-94 printout. The guidelines state: Form I-94 with a stamp or notation, such as "asylum granted<br> indefinitely" or the appropriate provision of law (8 CFR 274a.12(a)(5) or INA 208) to show their employment authorization. The asylee does not need to present a foreign passport with this Form I-94. An asylee can also present an electronic Form I-94 with an admission class of "AY." The I-94 in the loan file (page 21) states admission class as "WT" which is not the required response. - Due Diligence Vendor-11/21/2025 |  | Resolved-After further review, the borrower is a foreign national and the below guides apply to a non-per resident. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 47.37 Required is 75 Borrower has 47.37 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852982 | xxxxxx D A | Closed | xxxxxx | 2025-11-21 09:29 | 2025-12-04 16:32 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-After further review the ACH form is not required. - Due Diligence Vendor-12/04/2025 <br>Open-Foreign National but the ACH form is Missing from file. An ACH form is missing from the loan file. - Due Diligence Vendor-11/21/2025 |  | Resolved-After further review the ACH form is not required. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 47.37 Required is 75 Borrower has 47.37 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853096 | xxxxxx D A C | Closed | xxxxxx | 2025-12-10 13:45 | 2026-01-16 13:59 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Specifically, Coverage A (A1 & A2) provides a combined total of $200,000, which exceeds the required 3-month assessment calculation of $124,584 ($1,432 x 29 units x 3 months). - Due Diligence Vendor-01/16/2026 <br> Counter-Received Fidelity coverage reflected $100,000. Guideline indicates For condominium projects consisting of more than 20 units, fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project is required. (29\*1432=41,528\*3=$124,584) - Due Diligence Vendor-01/12/2026 <br> Counter-Received explanation that indicate file is a limited review. File submitted as Full Review. Finding remains. - Due Diligence Vendor-01/07/2026 <br> Counter-Received explanation. A full questionnaire was provided, not limited. Finding remains. - Due Diligence Vendor-01/06/2026 <br> Counter-No document attached. - Due Diligence Vendor-12/31/2025 <br> Open-Fidelity Coverage not met. Missing fidelity coverage on the master policy. - Due Diligence Vendor-12/10/2025 |  | Resolved-Specifically, Coverage A (A1 & A2) provides a combined total of $200,000, which exceeds the required 3-month assessment calculation of $124,584 ($1,432 x 29 units x 3 months). - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 762. Required is 660 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 35.57. Required is 50 Borrower has 35.57 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853096 | xxxxxx D A C | Closed | xxxxxx | 2025-12-10 13:45 | 2026-01-06 04:49 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved- Received paid receipt for HO6 policy. - Due Diligence Vendor-01/06/2026 <br>Counter-Received HO6 invoice reflecting premium due. Provide confirmation paid in full. - Due Diligence Vendor-12/30/2025 <br>Counter-Received HO6 policy. Missing confirmation premium paid. Not reflecting on PCCD. - Due Diligence Vendor-12/23/2025 <br>Open-HO-6 Insurance Policy is Missing Master policy does not specify Walls-In coverage. 1003 reflects monthly payment. - Due Diligence Vendor-12/10/2025 |  | Resolved- Received paid receipt for HO6 policy. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 762. Required is 660 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 35.57. Required is 50 Borrower has 35.57 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853096 | xxxxxx D A C | Closed | xxxxxx | 2025-12-10 14:23 | 2025-12-23 10:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated statement. - Due Diligence Vendor-12/18/2025 <br> Counter-Review does not have account xxxxxxxx reflecting $235k balance. 10/31/25 balance reflects $126,074.22. Finding remains. - Due Diligence Vendor-12/16/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Borrower has insufficient funds for reserves. Per guidelines, 4 months required. - Due Diligence Vendor-12/11/2025 |  | Resolved-Received updated statement. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 762. Required is 660 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 35.57. Required is 50 Borrower has 35.57 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853096 | xxxxxx D A C | Closed | xxxxxx | 2025-12-09 15:30 | 2025-12-23 07:58 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/23/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -------Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-12/09/2025 |  | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 762. Required is 660 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 35.57. Required is 50 Borrower has 35.57 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853096 | xxxxxx D A C | Closed | xxxxxx | 2025-12-10 14:03 | 2025-12-18 12:13 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received updated statements. - Due Diligence Vendor-12/18/2025 <br> Counter-Review does not have account xxxxxxxx reflecting $235k balance. 10/31/25 balance reflects $126,074.22. Finding remains. - Due Diligence Vendor-12/16/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-51930.25'. Assets are Insufficient. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received updated statements. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 762. Required is 660 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 35.57. Required is 50 Borrower has 35.57 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853096 | xxxxxx D A C | Closed | xxxxxx | 2025-12-09 17:25 | 2025-12-16 07:21 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/16/2025 <br> Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-12/09/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 762. Required is 660 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 35.57. Required is 50 Borrower has 35.57 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853114 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853209 | xxxxxx C A | Closed | xxxxxx | 2025-12-02 07:50 | 2025-12-09 07:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Proof the borrower is an experienced investor provided. - Due Diligence Vendor-12/09/2025 <br>Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $1000000 1st time investor no evidence of any REO other than primary home on application or fraud report - Due Diligence Vendor-12/02/2025 |  | Resolved-Proof the borrower is an experienced investor provided. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704<br>Months Reserves exceed minimum required - 20 months > 12 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853209 | xxxxxx C A | Closed | xxxxxx | 2025-12-01 14:53 | 2025-12-04 13:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final title w/sufficient coverage. - Due Diligence Vendor-12/04/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Does not meet loan amount. - Due Diligence Vendor-12/01/2025 |  | Resolved-Received Final title w/sufficient coverage. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704<br>Months Reserves exceed minimum required - 20 months > 12 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853209 | xxxxxx C A | Closed | xxxxxx | 2025-12-02 07:45 | 2025-12-03 15:05 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Received confirmation not 1st time investor. - Due Diligence Vendor-12/03/2025 <br>Open-The Calculated DSCR of '0.753' is less than the minimum DSCR per lender guidelines of '1'. 1st time investor no evidence of any REO other than primary home on application or fraud report - Due Diligence Vendor-12/02/2025 |  | Resolved-Received confirmation not 1st time investor. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704<br>Months Reserves exceed minimum required - 20 months > 12 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853211 | xxxxxx C A | Closed | xxxxxx | 2026-01-07 15:40 | 2026-01-13 17:49 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Credit supplement was provided with zero balance on this account. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/13/2026 <br> Open-Provide proof of xxxxxx account with payment of $325 and balance $6,500. - Due Diligence Vendor-01/07/2026 |  | Resolved-Credit supplement was provided with zero balance on this account. - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.13 Required is 50 Borrower has 40.13 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853222 | xxxxxx D A | Closed | xxxxxx | 2025-11-14 11:52 | 2025-11-21 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Upon further review, escrows were disclosed on the HUD-1 which is acceptable per xxxxxx. - Due Diligence Vendor-11/21/2025 <br>Open-Missing the initial escrow disclosure. - Due Diligence Vendor-11/14/2025 |  | Resolved-Upon further review, escrows were disclosed on the HUD-1 which is acceptable per xxxxxx. - Due Diligence Vendor-11/21/2025<br>| On time mortgage history exceeds guideline requirement - Guidelines require a 12 month on time mortgage history. Borrower has a 24 month on time mortgage history.<br>DSCR % greater than 1.20 - Guideline minimum DSCR is 0. Borrower's DSCR is 1.337. Required is 0 Borrower has 1.337 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853222 | xxxxxx D A | Closed | xxxxxx | 2025-11-14 08:49 | 2025-11-21 11:36 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval - Due Diligence Vendor-11/21/2025 <br>Open-Missing Approval/Underwriting Summary The loan file does not contain an approval or a 1008. - Due Diligence Vendor-11/14/2025 |  | Resolved-Received Approval - Due Diligence Vendor-11/21/2025<br>| On time mortgage history exceeds guideline requirement - Guidelines require a 12 month on time mortgage history. Borrower has a 24 month on time mortgage history.<br>DSCR % greater than 1.20 - Guideline minimum DSCR is 0. Borrower's DSCR is 1.337. Required is 0 Borrower has 1.337 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853226 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853295 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 16:37 | 2025-12-10 09:55 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH Form. - Due Diligence Vendor-12/10/2025 <br>Open-Foreign National but the ACH form is Missing from file. Provide ACH form as not found in documentation provided. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received ACH Form. - Due Diligence Vendor-12/10/2025<br>| Long term residence - B2 has a long term residence of 19 years<br>Months Reserves exceed minimum required - 15 Months Reserves exceed 12 month minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853376 | xxxxxx D A | Closed | xxxxxx | 2025-11-24 15:58 | 2025-12-01 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received The Business Purpose Certification. - Due Diligence Vendor-12/01/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing The guidelines state that the borrower is required to execute a Borrower Certification of Business Purpose and an Occupancy Certification or a Occupancy and Business Purpose Disclosure. The loan file contains an Affidavit of Occupancy; however, the business purpose disclosure is missing. - Due Diligence Vendor-11/24/2025 |  | Resolved-Received The Business Purpose Certification. - Due Diligence Vendor-12/01/2025<br>| DSCR % greater than 1.20 - Minimum required DSCR is 1. Borrower's DSCR is 2.426. Required is 1 Borrower has 2.426<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 640. Borrower's qualifying FICO is 722. Required is 640 Borrower has 722<br>LTV is less than guideline maximum - Guideline maximum LTV is 80%. Subject LTV is 43.8%. Required is 80 Borrower has 43.8 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853405 | xxxxxx D B A | Closed | xxxxxx | 2025-12-24 13:57 | 2026-01-12 16:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the gap credit report is not required. - Due Diligence Vendor-01/12/2026 <br> Counter-Received Gap report. Report for B1 appear to indicate new inquires exist with a new loan opening as of xxxxxx. Provide LOX and/or proof of debt. - Due Diligence Vendor-01/07/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/29/2025 |  | Resolved-After further review, the gap credit report is not required. - Due Diligence Vendor-01/12/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrowers have $29,825 in residual income per month.<br>LTV is less than guideline maximum - Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 747 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853405 | xxxxxx D B A | Closed | xxxxxx | 2025-12-24 13:57 | 2026-01-12 16:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-After further review, the gap credit report is not required. - Due Diligence Vendor-01/12/2026 <br>Counter-Received Monitoring report for B1. Report only cover 2 days. Finding remains. - Due Diligence Vendor-01/07/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-12/29/2025 |  | Resolved-After further review, the gap credit report is not required. - Due Diligence Vendor-01/12/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrowers have $29,825 in residual income per month.<br>LTV is less than guideline maximum - Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 747 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853405 | xxxxxx D B A | Closed | xxxxxx | 2025-12-29 10:45 | 2025-12-29 11:03 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Investor waiver applied to non-material finding with compensating factors. Borrowers have $29,825 in residual income per month. - Due Diligence Vendor-12/29/2025 <br> Open-The borrower is paid via K-1 with less than 25% ownership (1.75% ownership). They started with the company xxxxxx. The exception request is to utilize the income without 2 - years of K-1s. The 2024 K-1 has been provided along with verification of YTD earnings. - Due Diligence Vendor-12/29/2025 |  | Waived-Investor waiver applied to non-material finding with compensating factors. Borrowers have $29,825 in residual income per month. - Due Diligence Vendor-12/29/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrowers have $29,825 in residual income per month.<br>LTV is less than guideline maximum - Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 747 | Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853436 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 06:09 | 2025-12-10 15:49 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received Asset documentation - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. The account is not in the borrower's name it is in the xxxxxx, please see attached ownership %, our borrower owns 50%. Updated 1008 and 1003 correcting the assets. These two statements are all linked to teh same account. See highlighted loan numbers. - Seller-12/09/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements; Provide evidence the xxxxxx account is in borrower's name. Additional findings may apply. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. The account is not in the borrower's name it is in the xxxxxx, please see attached ownership %, our borrower owns 50%. Updated 1008 and 1003 correcting the assets. These two statements are all linked to teh same account. See highlighted loan numbers. - Seller-12/09/2025 | Resolved-Received Asset documentation - Due Diligence Vendor-12/10/2025<br>| Months Reserves exceed minimum required - 408.16 mos reserves; 12 mos required<br>DSCR % greater than 1.20 - DSCR 1.386<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853452 | xxxxxx D B A | Closed | xxxxxx | 2025-12-31 10:28 | 2026-01-23 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received Master Policy. - Due Diligence Vendor-01/23/2026 <br> Open-Condo Master Insurance Policy Partially Provided Missing certificate of insurance for xxxxxx with xxxxxx in coverage as noted on quote provided. Additional conditions may apply. - Due Diligence Vendor-12/31/2025 |  | Resolved-Received Master Policy. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 783 Required is 720 Borrower has 783<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.76 Required is 50 Borrower has 41.76 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853452 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 22:10 | 2026-01-06 04:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Fraud report disclosing Undisclosed Debt Monitoring with no new alerts. - Due Diligence Vendor-01/06/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/31/2025 |  | Resolved-Received Fraud report disclosing Undisclosed Debt Monitoring with no new alerts. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 783 Required is 720 Borrower has 783<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.76 Required is 50 Borrower has 41.76 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853452 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 22:38 | 2025-12-31 11:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client exception granted to allow Loan amount exception for < 150K. Non-material waiver applied with comp factors. - Due Diligence Vendor-12/31/2025 <br>Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 Lender provided exception: Loan amount exception for < 150K - Due Diligence Vendor-12/31/2025 |  | Waived-Client exception granted to allow Loan amount exception for < 150K. Non-material waiver applied with comp factors. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 783 Required is 720 Borrower has 783<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.76 Required is 50 Borrower has 41.76 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score Credit Score 30+ points > minimum required<br> Employment - Same Job Employed at same job > 5 years | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853477 | xxxxxx C A | Closed | xxxxxx | 2025-11-22 00:39 | 2025-11-22 01:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/22/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Housing History is required for Borrower primary residence, if is free and clear provide evidence. - Due Diligence Vendor-11/22/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/22/2025<br>| On time mortgage history exceeds guideline requirement - 0x30 and minimum is 1x30<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 806 Min FICO = 700 Required is 700 Borrower has 806 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853487 | xxxxxx C A | Closed | xxxxxx | 2025-12-16 15:34 | 2026-01-22 07:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received proof that check was cut and sent to borrower. Finding Resolved. - Due Diligence Vendor-01/22/2026 <br> Counter------Received notification check was sent xxxxxx mail. Need copy of cancelled check or certified letter from borrower that they received the check. - Due Diligence Vendor-01/16/2026 <br> Counter-----Received PCCD, LOE and copy of Check. Missing Shipping Label for proof that it was sent. Finding Remains. - Due Diligence Vendor-01/14/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,286.00) exceed the comparable charges ($1,162.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Lender's Title Policy) increased by $244 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $7.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. <br> - Due Diligence Vendor-12/16/2025 |  | Resolved-----Received proof that check was cut and sent to borrower. Finding Resolved. - Due Diligence Vendor-01/22/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 24.09. Required is 50 Borrower has 24.09<br>CLTV is less than guidelines maximum - Required is 90. Borrower has 75. Required is 90 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 782. Required is 680 Borrower has 782 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853487 | xxxxxx C A | Closed | xxxxxx | 2025-12-16 15:34 | 2026-01-14 07:59 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Timing requirements are sufficient - 3 day waiting period ends on xxxxxx and loan disbursed on xxxxxx. Finding Resolved. - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-12/16/2025 |  | Resolved------Timing requirements are sufficient - 3 day waiting period ends on xxxxxx and loan disbursed on xxxxxx. Finding Resolved. - Due Diligence Vendor-12/31/2025 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 24.09. Required is 50 Borrower has 24.09<br>CLTV is less than guidelines maximum - Required is 90. Borrower has 75. Required is 90 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 782. Required is 680 Borrower has 782 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853488 | xxxxxx D B A | Closed | xxxxxx | 2026-01-08 12:14 | 2026-01-13 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Received B2 2024 W2 - Due Diligence Vendor-01/13/2026 <br>Open-Borrower 2 W2/1099 Missing for 2024 - Due Diligence Vendor-01/08/2026 |  | Resolved-Received B2 2024 W2 - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.65 Required is 50 Borrower has 20.65<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 71.37 Required is 85 Borrower has 71.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729 Required is 680 Borrower has 729 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853488 | xxxxxx D B A | Closed | xxxxxx | 2026-01-07 10:23 | 2026-01-13 07:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-----Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-01/13/2026 <br>Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-01/07/2026 |  | Resolved-----Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.65 Required is 50 Borrower has 20.65<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 71.37 Required is 85 Borrower has 71.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729 Required is 680 Borrower has 729 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853488 | xxxxxx D B A | Closed | xxxxxx | 2026-01-07 10:23 | 2026-01-07 14:14 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/07/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/07/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.65 Required is 50 Borrower has 20.65<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 71.37 Required is 85 Borrower has 71.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729 Required is 680 Borrower has 729 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 853516 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853547 | xxxxxx D A C | Closed | xxxxxx | 2026-01-02 10:37 | 2026-01-21 11:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received LOE and revised 1003 and 1008 including liability. - Due Diligence Vendor-01/21/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing LOE for rental agreement reporting for $2,895/month on credit report. No evidence of another party paying found in file, if borrower is liable this must be included in the DTI. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received LOE and revised 1003 and 1008 including liability. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750<br>Qualifying DTI below maximum allowed - DTI well below max allowable Required is 50 Borrower has 30.17 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853547 | xxxxxx D A C | Closed | xxxxxx | 2026-01-02 08:03 | 2026-01-21 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-01/08/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Rep - Due Diligence Vendor-01/02/2026 |  | Resolved-Received credit refresh. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750<br>Qualifying DTI below maximum allowed - DTI well below max allowable Required is 50 Borrower has 30.17 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853547 | xxxxxx D A C | Closed | xxxxxx | 2026-01-02 10:31 | 2026-01-21 11:28 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received LOE and revised 1003 and 1008 including liability. - Due Diligence Vendor-01/21/2026 <br> Open-Borrower 1 Credit Report is Partially Present. Missing LOE for rental agreement reporting for $2,895/month on credit report. No evidence of another party paying found in file, if borrower is liable this must be included in the DTI. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received LOE and revised 1003 and 1008 including liability. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750<br>Qualifying DTI below maximum allowed - DTI well below max allowable Required is 50 Borrower has 30.17 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853547 | xxxxxx D A C | Closed | xxxxxx | 2026-01-02 08:18 | 2026-01-13 09:21 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated 1004 reflecting HOA is $288 annually. Audit review noted $85 monthly HOA statement provided dated xxxxxx. Higher figure used to qualify. - Due Diligence Vendor-01/13/2026 <br> Open-DOT and title indicate PUD, 1. appraisal missing PUD classification and 2.missing monthly HOA fee. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received updated 1004 reflecting HOA is $288 annually. Audit review noted xxxxxx monthly HOA statement provided dated xxxxxx. Higher figure used to qualify. - Due Diligence Vendor-01/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750<br>Qualifying DTI below maximum allowed - DTI well below max allowable Required is 50 Borrower has 30.17 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853547 | xxxxxx D A C | Closed | xxxxxx | 2025-12-30 13:12 | 2026-01-08 07:20 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-01/08/2026 <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 $704.60.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $704.16 (Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $4,557.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-12/30/2025 |  | Resolved-----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750<br>Qualifying DTI below maximum allowed - DTI well below max allowable Required is 50 Borrower has 30.17 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853548 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 22:09 | 2026-01-26 13:08 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Motivation LOX provided, 1003 confirms the departing residence will be an investment property. - Due Diligence Vendor-01/26/2026 <br> Counter-Received duplicate client response." xxxxxx Team, If current residence is referring to the departing property, please note that it is disclosed as an investment property on the 1003. Based on this disclosure, kindly confirm whether an additional LOE regarding intention for the departing residence is still required. If instead current residence is referring to the subject property, please clarify what specific intention is being requested so we may provide the appropriate documentation." Audit response: . Although 1003 indicate investment, file is missing proof of receipt of security deposit and first months rent to confirm conversion even if not using rental income to qualify. Review of HOI in initial file for property being purchased include xxxxxx which covers items a landlord provides in a rental unit to indicate property is an investment. Finding remains. - Due Diligence Vendor-01/07/2026 <br> Counter-No document provided. Although 1003 indicate investment, file did not include proof of receipt of security deposit and first months rent to confirm conversion. Policy in initial file for subject also include xxxxxx which covers items a landlord provides in a rental unit to indicate subject is an investment. Finding remains. - Due Diligence Vendor-01/06/2026 <br> Counter-Received motivation letter. Missing intention for current residence. - Due Diligence Vendor-12/30/2025 <br> Open-Missing letter of explanation for motivation for purchase for subject and intent with current residence. Current residence is valued more per recent refinance CD, is comparable in age to the subject, and subject is a downgrade in size (xxxxxx) and borrower is going from having the xxxxxx. Additional findings may apply. - Due Diligence Vendor-12/13/2025 |  | Resolved-Motivation LOX provided, 1003 confirms the departing residence will be an investment property. - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 771. Required is 660 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 29.91. Required is 50 Borrower has 29.91 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853548 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 22:09 | 2025-12-23 11:46 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/23/2025 <br>Open-LOX for credit inquiries is missing. Missing letter of explanation for credit inquiries on 10/20 on the credit refresh report. - Due Diligence Vendor-12/13/2025 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 771. Required is 660 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 29.91. Required is 50 Borrower has 29.91 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853548 | xxxxxx C A | Closed | xxxxxx | 2025-12-10 18:23 | 2025-12-23 08:09 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/23/2025 <br>Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-12/15/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 771. Required is 660 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 29.91. Required is 50 Borrower has 29.91 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853572 | xxxxxx B A | Closed | xxxxxx | 2025-12-31 14:02 | 2025-12-31 14:02 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/31/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/31/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.37 Required is 50 Borrower has 41.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 Required is 660 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 853574 | xxxxxx C A | Closed | xxxxxx | 2025-12-24 11:04 | 2026-01-05 16:46 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller CD. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. I've already shared it above; are you talking about the Post-Closing Disclosure? - Seller-01/01/2026 <br> Counter-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. We are sending the requested Seller CD / Final Settlement Statements.<br> However, unless a POST CD is required, we have never sent Final Settlement Statements before, and we have also never included a Seller CD in the closing package. This file was not one that required a POST CD, so we are confused as to the exact reason the Final Settlement Statements were requested.<br> Because no explanation was provided as to why the Seller CD / Final Settlement Statements were needed, this has caused some confusion on our end. Going forward, we would like to confirm whether these documents should always be included when we send a closing package. If so, please let us know whether there are any updates needed to our guidelines with xxxxxx.<br> Additionally, we would appreciate it if you could provide more detailed explanations in the future regarding the reasons documents are being requested. - Seller-12/29/2025 <br> Counter-Review confirms seller CD/Final Settlement Statement. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Why is the Seller CD/HUD needed? We have never sent these documents before. The borrower's assets are sufficient, and it seems that everything is adequately explained with just the Loan Doc CD. - Seller-12/24/2025 <br> Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. I've already shared it above; are you talking about the Post-Closing Disclosure? - Seller-01/01/2026 <br> Ready for Review-Document Uploaded. We are sending the requested Seller CD / Final Settlement Statements.<br> However, unless a POST CD is required, we have never sent Final Settlement Statements before, and we have also never included a Seller CD in the closing package. This file was not one that required a POST CD, so we are confused as to the exact reason the Final Settlement Statements were requested.<br> Because no explanation was provided as to why the Seller CD / Final Settlement Statements were needed, this has caused some confusion on our end. Going forward, we would like to confirm whether these documents should always be included when we send a closing package. If so, please let us know whether there are any updates needed to our guidelines with xxxxxx.<br> Additionally, we would appreciate it if you could provide more detailed explanations in the future regarding the reasons documents are being requested. - Seller-12/29/2025 <br> Ready for Review-Why is the Seller CD/HUD needed? We have never sent these documents before. The borrower's assets are sufficient, and it seems that everything is adequately explained with just the Loan Doc CD. - Seller-12/24/2025 | Resolved-Received seller CD. - Due Diligence Vendor-01/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.97 Required is 50 Borrower has 44.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 Required is 660 Borrower has 774 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853586 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 09:28 | 2026-01-06 14:32 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-After further review, this is not required in this county. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/06/2026 <br>Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Missing required witness signature(s)<br> - Due Diligence Vendor-12/18/2025 |  | Resolved-After further review, this is not required in this county. - Due Diligence Vendor-01/06/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 38.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853593 | xxxxxx C A | Closed | xxxxxx | 2025-12-10 10:34 | 2025-12-16 11:33 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/16/2025 <br>Open-The Deed of Trust is Incomplete. Only page 1 is in the package. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/16/2025<br>| Months Reserves exceed minimum required - required reserves 2 months. borrower has 20 months of reserves<br>On time mortgage history exceeds guideline requirement - 0x30x36 reporting on credit |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853596 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853597 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853665 | xxxxxx C B A | Closed | xxxxxx | 2025-12-23 16:22 | 2026-01-07 07:26 | Resolved | 1 - Information C A | Compliance | Disclosure | Interest starts accruing prior to disbursement date | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026 <br> Open------ The Prepaid Interest date of xxxxxx in section F of last CD (Post Close) is prior to the disbursement date of xxxxxx. - Due Diligence Vendor-12/23/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798<br>LTV is less than guideline maximum - Required is 90 Borrower has 71.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853665 | xxxxxx C B A | Closed | xxxxxx | 2025-12-23 15:40 | 2025-12-23 15:40 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/23/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798<br>LTV is less than guideline maximum - Required is 90 Borrower has 71.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 853674 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853679 | xxxxxx B A | Closed | xxxxxx | 2025-11-18 16:34 | 2025-11-18 16:34 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Waiver applied to non-material finding. Loan closed in entity name. <br> - Due Diligence Vendor-11/18/2025 <br> Open-Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-11/18/2025 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. <br> - Due Diligence Vendor-11/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 714 Required is 660 Borrower has 714<br>Credit history exceeds minimum required - Qualifying FICO score 714; guidelines require 700. <br>Long term residence - 6 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 853683 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853701 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853722 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853761 | xxxxxx B A | Closed | xxxxxx | 2026-01-07 13:22 | 2026-01-07 13:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-01/07/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 40.11 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 853769 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 15:53 | 2026-01-29 09:31 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-01/29/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. xxxxxx Collateral Underwriter (CU) score exceeds 2.5. Lender to provide a xxxxxx Collateral Desk Assessment (CDA) to support appraised value as required per guides. Additional conditions may apply. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-01/29/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.42<br>LTV is less than guideline maximum - Required is 75 Borrower has 60.87 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853783 | xxxxxx C B A | Closed | xxxxxx | 2025-12-30 16:57 | 2026-01-07 15:17 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-After further review, nothing further is needed unless the appraiser states this is required. - Due Diligence Vendor-01/07/2026 <br> Open- Originator to provide Certification that subject meets state xxxxxx requirements. Per appraisal photos 1 or more rooms is missing a xxxxxx. - Due Diligence Vendor-12/30/2025 |  | Resolved-After further review, nothing further is needed unless the appraiser states this is required. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 682<br>LTV is less than guideline maximum - N/A Required is 75 Borrower has 44.88<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.17 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853783 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 12:32 | 2025-12-29 12:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 682<br>LTV is less than guideline maximum - N/A Required is 75 Borrower has 44.88<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.17 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 853790 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853821 | xxxxxx D A | Closed | xxxxxx | 2025-11-26 15:05 | 2025-12-09 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval - Due Diligence Vendor-12/09/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-11/26/2025 |  | Resolved-Received approval - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766<br>Months Reserves exceed minimum required - 68 months reserves exceeds min 6 mos reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853841 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853842 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 17:18 | 2025-11-26 17:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Originator waiver applied to non material finding with comp factors.<br> - Due Diligence Vendor-11/26/2025 <br> Open-Prepayment Penalty is not allowed. PPP not allowed to vested LLC in xxxxxx. - Due Diligence Vendor-11/26/2025 |  | Waived-Originator waiver applied to non material finding with comp factors.<br> - Due Diligence Vendor-11/26/2025<br>| LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 756 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 853899 | xxxxxx C A | Closed | xxxxxx | 2025-11-26 12:38 | 2025-12-04 13:02 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-12/04/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. 1004 only provided - Due Diligence Vendor-11/26/2025 |  | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853932 | xxxxxx C A | Closed | xxxxxx | 2026-01-10 18:46 | 2026-01-20 07:24 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received CD's dated xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-01/20/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-01/10/2026 |  | Resolved------Received CD's dated xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-01/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 793 Required is 660 Borrower has 793<br>Qualifying DTI below maximum allowed - DTI below max allowable Required is 50 Borrower has 32.8 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853954 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 12:10 | 2026-01-23 11:42 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Received new policy. - Due Diligence Vendor-01/23/2026 <br> Open-Flood Insurance Expiration Date of xxxxxx is prior to the Note Date of xxxxxx - Due Diligence Vendor-01/20/2026 |  | Resolved-Received new policy. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710<br>Months Reserves exceed minimum required - 11.45 months reserves exceeds 0 months per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853954 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 12:10 | 2026-01-23 11:42 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received new policy. - Due Diligence Vendor-01/23/2026 <br> Open-Master Policy Expiration Date of xxxxxx is Prior To the Transaction Date of xxxxxx - Due Diligence Vendor-01/20/2026 |  | Resolved-Received new policy. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710<br>Months Reserves exceed minimum required - 11.45 months reserves exceeds 0 months per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853954 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 17:05 | 2026-01-23 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-01/23/2026 <br> Open-Borrower 1 CPA Letter Missing . Non-CPA/xxxxxx/EA prepared Profit and Loss Statement not permitted by guides - Due Diligence Vendor-01/20/2026 |  | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710<br>Months Reserves exceed minimum required - 11.45 months reserves exceeds 0 months per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853976 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854018 | xxxxxx C B A | Closed | xxxxxx | 2026-01-07 06:03 | 2026-01-12 11:15 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Schedule A - Due Diligence Vendor-01/12/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). preliminary title commitment reflects lender's coverage in the amount of xxxxxx. Please provide supplemental report or final title policy that contains lender coverage equal to the Note amount of xxxxxx. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received updated Schedule A - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - LTV is 80% and max allowed is 85% Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 702 and minimum allowed is 640. Required is 640 Borrower has 702 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854018 | xxxxxx C B A | Closed | xxxxxx | 2026-01-05 14:26 | 2026-01-06 07:34 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026<br>| LTV is less than guideline maximum - LTV is 80% and max allowed is 85% Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 702 and minimum allowed is 640. Required is 640 Borrower has 702 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854020 | xxxxxx C A | Closed | xxxxxx | 2025-11-24 07:23 | 2025-12-04 12:57 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 month payment history. - Due Diligence Vendor-12/04/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 months history primary Heloc, only 5 months of payments were provided.<br> - Due Diligence Vendor-11/24/2025 |  | Resolved-Received 12 month payment history. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 808 and minimum allowed is 700 Required is 700 Borrower has 808<br>Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 40 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854131 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 854134 | xxxxxx D A | Closed | xxxxxx | 2026-01-05 15:38 | 2026-01-16 07:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-01/16/2026 <br>Open-The Final 1003 is Missing Missing executed final 1003 - Due Diligence Vendor-01/05/2026 |  | Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854146 | xxxxxx C A | Closed | xxxxxx | 2025-12-30 09:08 | 2026-01-12 16:58 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received email from the title company confirming the insured amount is xxxxxx - Due Diligence Vendor-01/12/2026 <br> Counter-Review is unable to open attachment. Please upload as PDF. - Due Diligence Vendor-01/09/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). xxxxxx title coverage; loan amont xxxxxx - Due Diligence Vendor-12/30/2025 |  | Resolved-Received email from the title company confirming the insured amount is xxxxxx - Due Diligence Vendor-01/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714<br>LTV is less than guideline maximum - Required is 75 Borrower has 66.67<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854146 | xxxxxx C A | Closed | xxxxxx | 2025-12-30 15:00 | 2026-01-07 14:14 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date xxxxxx. - Due Diligence Vendor-01/07/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Provide previous policy which was active prior to closing - Due Diligence Vendor-12/30/2025 |  | Resolved-Received PCCD confirming disbursement date xxxxxx. - Due Diligence Vendor-01/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714<br>LTV is less than guideline maximum - Required is 75 Borrower has 66.67<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854146 | xxxxxx C A | Closed | xxxxxx | 2025-12-30 15:10 | 2026-01-07 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received property profile and lien info confirming 9 month is life of current loan and free and clear prior. - Due Diligence Vendor-01/07/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower has current primary mortgage for 9 months. Fraud report indicates borrower had a previous mortgage when purchased the property in xxxxxx. Provide missing 3 month mortgage history to satisfy the 12 month history requirement. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received property profile and lien info confirming 9 month is life of current loan and free and clear prior. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714<br>LTV is less than guideline maximum - Required is 75 Borrower has 66.67<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854164 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854185 | xxxxxx D B A | Closed | xxxxxx | 2025-12-01 13:15 | 2025-12-09 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Business purpose affidavit provided. - Due Diligence Vendor-12/09/2025 <br> Counter-Document was not attached. - Due Diligence Vendor-12/04/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing . Business Purpose Affidavit is required. Occupancy cert pg 65 does not suffice. - Due Diligence Vendor-12/02/2025 |  | Resolved-Business purpose affidavit provided. - Due Diligence Vendor-12/09/2025<br>| On time mortgage history exceeds guideline requirement - 13+ years on time<br>Months Reserves exceed minimum required - Borrower has 10.36 months of reserves and only needs 3 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854185 | xxxxxx D B A | Closed | xxxxxx | 2025-12-01 12:48 | 2025-12-04 12:52 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage with Legal. - Due Diligence Vendor-12/04/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description "Exhibit A" attached to the mortgage. - Due Diligence Vendor-12/02/2025 |  | Resolved-Received Mortgage with Legal. - Due Diligence Vendor-12/04/2025<br>| On time mortgage history exceeds guideline requirement - 13+ years on time<br>Months Reserves exceed minimum required - Borrower has 10.36 months of reserves and only needs 3 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854185 | xxxxxx D B A | Closed | xxxxxx | 2025-12-01 12:39 | 2025-12-01 15:39 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-12/01/2025 <br> Open-Prepayment Penalty Issue. Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-12/01/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-12/01/2025<br>| On time mortgage history exceeds guideline requirement - 13+ years on time<br>Months Reserves exceed minimum required - Borrower has 10.36 months of reserves and only needs 3 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854197 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854206 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854224 | xxxxxx C A | Closed | xxxxxx | 2026-01-02 11:00 | 2026-01-21 08:00 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Cash flow analysis provided. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/13/2026 <br> Counter-Received Aug xxxxxx statement. Cash flow analysis reflect Zero funds from this account to be considered. Please clarify as review is considering in assets available and cash flow analysis is required. - Due Diligence Vendor-01/08/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements 1) Provide additional months bank stmt for xxxxxx (As this is a business bank stmt and income from this business is used to qualify- 3 months stmts are required and currently only 2 months are in file). <br>2) Provide a cash flow analysis to support that the withdrawal of business funds will not adversely impact the operation of xxxxxx- (xxxxxx & xxxxxx are all business accounts being used to qualify). <br> - Due Diligence Vendor-01/02/2026 |  | Resolved-Cash flow analysis provided. - Due Diligence Vendor-01/21/2026<br>| Months Reserves exceed minimum required - 3 months reserves required - borrower has 6.9 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 725 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854226 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854231 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 09:19 | 2026-01-21 11:36 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-01/21/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan.Audited LTV of 70% exceeds Guideline LTV of 65% Guidelines allow a maximum LTV of 70% with a 5% downward reduction to 65% for properties in a declining market. Subject loan closed with a 70% LTV, which exceeds the guideline maximum of 65%. - Due Diligence Vendor-12/29/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 683 and minimum allowed is 660. Required is 660 Borrower has 683<br>Qualifying DTI below maximum allowed - DTI is 36.63% and max allowed is 50%. Required is 50 Borrower has 36.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854231 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 09:35 | 2026-01-21 11:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client provided a waiver for LTV of 70% > 65% max, applied to non material finding with comp factors - Due Diligence Vendor-01/21/2026 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% Guidelines allow a maximum LTV of 70% with a 5% downward reduction to 65% for properties in a declining market. Subject loan closed with a 70% LTV, which exceeds the guideline maximum of 65%. - Due Diligence Vendor-12/29/2025 |  | Waived-Client provided a waiver for LTV of 70% > 65% max, applied to non material finding with comp factors - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 683 and minimum allowed is 660. Required is 660 Borrower has 683<br>Qualifying DTI below maximum allowed - DTI is 36.63% and max allowed is 50%. Required is 50 Borrower has 36.63 | DTI <= 40% which is below requirement in guidelines<br> Reserves exceed requirement by 10 months or more <br> Self-employed for > 2 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854231 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 09:41 | 2026-01-16 09:29 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Received confirmation payoff of xxxxxx reflecting on PCCD. - Due Diligence Vendor-01/16/2026 <br> Counter-Received One xxxxxx reflecting as unreleased lien on title. Documentation reflects contractors agreements and does not address repayment terms or release. Release not provided. Clarification required and additional conditions may apply. - Due Diligence Vendor-01/09/2026 <br> Counter-Received appraisal with the comment "Appraiser comments, the xxxxxx is owned and made adjustments for xxxxxx, however, per pictures of property, there doesn't seem to be xxxxxx", but includes a xxxxxx. Unable to determine from comment if xxxxxx exist. - Due Diligence Vendor-01/05/2026 <br> Open-Missing or incomplete documentation for xxxxxx xxxxxx. Missing confirmation UCC released with no obligations to borrowers. (xxxxxx) or the xxxxxx Agreement with all terms and conditions. Appraisal in file does not reflect any xxxxxx xxxxxx in appraisal pictures. - Due Diligence Vendor-12/22/2025 |  | Resolved-Received confirmation payoff of xxxxxx reflecting on PCCD. - Due Diligence Vendor-01/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 683 and minimum allowed is 660. Required is 660 Borrower has 683<br>Qualifying DTI below maximum allowed - DTI is 36.63% and max allowed is 50%. Required is 50 Borrower has 36.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854231 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 08:59 | 2026-01-14 10:50 | Resolved | 1 - Information A | Credit | Missing Doc - Credit | Modification Document is Missing | Resolved-Received credit supplement confirming modification date of 2020 and last delinquent over 12 months. - Due Diligence Vendor-01/14/2026 <br>Open-Modification Document is Missing. Credit Report reflect subject mortgage was modified. Missing the Modification Agreement to support modification has been reinstated greater than 12 months, 0x30x12 required. - Due Diligence Vendor-12/22/2025 |  | Resolved-Received credit supplement confirming modification date of 2020 and last delinquent over 12 months. - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 683 and minimum allowed is 660. Required is 660 Borrower has 683<br>Qualifying DTI below maximum allowed - DTI is 36.63% and max allowed is 50%. Required is 50 Borrower has 36.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854231 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 09:07 | 2026-01-07 13:37 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-01/07/2026 <br> Open-Property Title Issue Property title issues.Missing documentation to support Mechanic's lien in the amount of xxxxxx and a judgment case # xxxxxx in the amount of xxxxxx has been satisfied. - Due Diligence Vendor-12/29/2025 |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 683 and minimum allowed is 660. Required is 660 Borrower has 683<br>Qualifying DTI below maximum allowed - DTI is 36.63% and max allowed is 50%. Required is 50 Borrower has 36.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854231 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 08:07 | 2026-01-06 05:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received xxxxxx Verification. - Due Diligence Vendor-01/05/2026 <br> Counter-Received xxxxxx letter. Missing license validation. - Due Diligence Vendor-12/30/2025 <br> Open-Borrower 1 CPA Letter Missing Missing current/active license or certification to identify tax preparer as a Certified Public Accountant (CPA) an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer. - Due Diligence Vendor-12/29/2025 |  | Resolved-Received xxxxxx Verification. - Due Diligence Vendor-01/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 683 and minimum allowed is 660. Required is 660 Borrower has 683<br>Qualifying DTI below maximum allowed - DTI is 36.63% and max allowed is 50%. Required is 50 Borrower has 36.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854231 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 09:35 | 2025-12-30 13:43 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-12/30/2025 <br>Open-Missing Approval/Underwriting Summary The loan file is missing an approval or 1008. - Due Diligence Vendor-12/29/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 683 and minimum allowed is 660. Required is 660 Borrower has 683<br>Qualifying DTI below maximum allowed - DTI is 36.63% and max allowed is 50%. Required is 50 Borrower has 36.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854250 | xxxxxx C A | Closed | xxxxxx | 2025-12-01 08:10 | 2025-12-05 14:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, Borrower is a non-permanent resident alien and subject loan meets LTV guidelines - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Counter-Package received as Foreign National-provide loan approval reflecting citizen type and program to confirm change in program. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. See page 2 for Visa which was included in original submission. Borrower is not foreign national. - Seller-12/01/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70%. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Ready for Review-Document Uploaded. See page 2 for Visa which was included in original submission. Borrower is not foreign national. - Seller-12/01/2025<br>| Resolved-Upon further review, Borrower is a non-permanent resident alien and subject loan meets LTV guidelines - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778 Qualifying FICO score 788; guidelines require 700. <br>Months Reserves exceed minimum required - 42.67 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854250 | xxxxxx C A | Closed | xxxxxx | 2025-12-05 12:56 | 2025-12-05 14:37 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review, Borrower is a non-permanent resident alien - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Borrower is a FN, the 1003 reflects borrower has been living in the xxxxxx for 4 years. Per guidelines this is not allowed. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Upon further review, Borrower is a non-permanent resident alien - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778 Qualifying FICO score 788; guidelines require 700. <br>Months Reserves exceed minimum required - 42.67 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854263 | xxxxxx B A | Closed | xxxxxx | 2025-12-30 00:37 | 2026-01-09 11:44 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-01/09/2026 <br> Counter-Received Preclose Monitoring Report. Report more than 10 days of closing. - Due Diligence Vendor-01/05/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Gap Credit Report / Undisclosed Debt Monitoring - Full/xxxxxx: Must verify all debt obligations at time of underwriting and ensure no significant changes before closing. - Due Diligence Vendor-12/31/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.39 | DTI is 32.39% and max is 50%<br> LTV is 80%, max is 85%<br> FICO is 736, min is 660 | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854263 | xxxxxx B A | Closed | xxxxxx | 2025-12-30 00:37 | 2026-01-09 11:44 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-01/09/2026 <br> Counter-Received Preclose Monitoring Report. Report more than 10 days of closing. - Due Diligence Vendor-01/05/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report / Undisclosed Debt Monitoring - Full/xxxxxx: Must verify all debt obligations at time of underwriting and ensure no significant changes before closing. - Due Diligence Vendor-12/31/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.39 | DTI is 32.39% and max is 50%<br> LTV is 80%, max is 85%<br> FICO is 736, min is 660 | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854284 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 16:10 | 2026-01-07 08:35 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/07/2026 <br> Counter-----Received proof borrower received initial CD xxxxxx. Need copy of the CD dated xxxxxx. Finding Remains. - Due Diligence Vendor-01/06/2026 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-12/29/2025 |  | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/07/2026 | CLTV is less than guidelines maximum - Required is 90. Borrower has 67.69. Required is 90 Borrower has 67.69<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 762. Required is 680 Borrower has 762 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854284 | xxxxxx C B A | Closed | xxxxxx | 2025-12-30 08:21 | 2025-12-30 08:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/30/2025<br>| CLTV is less than guidelines maximum - Required is 90. Borrower has 67.69. Required is 90 Borrower has 67.69<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 762. Required is 680 Borrower has 762 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854291 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854298 | xxxxxx D B A | Closed | xxxxxx | 2026-01-05 09:33 | 2026-01-09 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-01/09/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report or UDM report no more than 10 days prior to loan closing. - Due Diligence Vendor-01/05/2026 |  | Resolved-Received credit refresh. - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854298 | xxxxxx D B A | Closed | xxxxxx | 2026-01-02 10:48 | 2026-01-08 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received EAD - Due Diligence Vendor-01/08/2026 <br>Open-Borrower Citizenship Documentation Is Missing Provide Citizenship Documentation as borrower is Non-permanent resident. - Due Diligence Vendor-01/05/2026 |  | Resolved-Received EAD - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854298 | xxxxxx D B A | Closed | xxxxxx | 2026-01-02 10:54 | 2026-01-02 12:01 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-01/02/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-01/02/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854304 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854322 | xxxxxx B A | Closed | xxxxxx | 2026-01-16 12:51 | 2026-01-20 09:08 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). Client waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). Client waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.31 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854340 | xxxxxx B A | Closed | xxxxxx | 2025-12-12 14:40 | 2025-12-12 19:15 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ---ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-12/12/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ---ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 803<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 64.91<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.51 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854355 | xxxxxx C B A | Closed | xxxxxx | 2025-12-30 20:13 | 2025-12-31 09:59 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Originator exception granted to allow S/E less than 2 years, Non-material waiver applied with comp factors. non-material due to DTI 6.40%, Fico 769, 53.31 months reserves and LTV 80% - Due Diligence Vendor-12/31/2025 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Exception request for Business must have been in existence and owned by the borrower for a minimum of 2 years. Seek exception for less than 2 years but more than 1 year. Exception approval in loan file - Due Diligence Vendor-12/31/2025 |  | Waived-Originator exception granted to allow S/E less than 2 years, Non-material waiver applied with comp factors. non-material due to DTI 6.40%, Fico 769, 53.31 months reserves and LTV 80% - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.4 | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 854365 | xxxxxx B A | Closed | xxxxxx | 2026-01-05 16:55 | 2026-01-09 08:57 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Allowable threshold of APOR of 6.230% + 3.750% or 9.980% - Due Diligence Vendor-01/09/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.081% is within allowable threshold of APOR of 6.230% + 3.750% or 9.980%. <br> - Due Diligence Vendor-01/05/2026 |  | Resolved-Allowable threshold of APOR of 6.230% + 3.750% or 9.980% - Due Diligence Vendor-01/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 792<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 37.61 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854368 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-23 16:54 | 2026-01-16 07:30 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/16/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($90.00) exceed the comparable charges ($60.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $24.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $24.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitation - 1 year, expiration xxxxxx. - Due Diligence Vendor-12/23/2025 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854368 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-29 23:36 | 2026-01-05 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI. - Due Diligence Vendor-01/05/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing final coverage with policy # only estimate provided. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received HOI. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854463 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 15:33 | 2025-12-17 13:06 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage with legal description provided. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. rec DOT uploaded included completed legal - Seller-12/17/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide a copy of the updated Exhibit A to reflect the subject property's legal description. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. rec DOT uploaded included completed legal - Seller-12/17/2025<br>| Resolved-Mortgage with legal description provided. - Due Diligence Vendor-12/17/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854463 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 15:48 | 2025-12-17 12:57 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Affidavit of Non-Applicability provided. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Affidavit completed at signed, docs included in original upload, reuploaded - Seller-12/17/2025 <br> Open-Property Title Issue Per title commitment item 11, xxxxxx law, effective July 1, 2023, prohibits ownership of real property by certain foreign parties. Provide documentation to support that the borrower is eligible to own a property in xxxxxx. Additional conditions may apply. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Affidavit completed at signed, docs included in original upload, reuploaded - Seller-12/17/2025<br>| Resolved-Affidavit of Non-Applicability provided. - Due Diligence Vendor-12/17/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854478 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854484 | xxxxxx D A | Closed | xxxxxx | 2025-12-24 15:18 | 2026-01-09 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/09/2026 <br>Open-Title Document is Incomplete Provide final title showing amount of coverage or equivalent - Due Diligence Vendor-12/24/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.67 Required is 50 Borrower has 30.67<br>LTV is less than guideline maximum - Required is 80 Borrower has 50.85 Required is 80 Borrower has 50.85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 690 Required is 660 Borrower has 690 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854484 | xxxxxx D A | Closed | xxxxxx | 2025-12-24 15:31 | 2026-01-05 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-01/05/2026 <br>Open-Missing Flood Certificate Provide flood cert<br> - Due Diligence Vendor-12/24/2025 |  | Resolved-Received flood cert. - Due Diligence Vendor-01/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.67 Required is 50 Borrower has 30.67<br>LTV is less than guideline maximum - Required is 80 Borrower has 50.85 Required is 80 Borrower has 50.85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 690 Required is 660 Borrower has 690 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854513 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854519 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854520 | xxxxxx B A | Closed | xxxxxx | 2026-01-05 21:13 | 2026-01-05 21:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/06/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854533 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854547 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854548 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-22 09:00 | 2026-01-12 09:03 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Social security income removed - Due Diligence Vendor-01/12/2026 <br>Counter-Guidelines required SSI to be considered if will continue for 3 years and access without penalty. SSI Awards letter required as borrower is not of retirement age to confirm continuance. - Due Diligence Vendor-01/02/2026 <br>Open-The Originator QM Status is not the same as the Final QM Status. Missing the SSI award letter for borrower 1. - Due Diligence Vendor-12/22/2025 |  | Resolved-Social security income removed - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.29<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 737; minimum score 660. Required is 680 Borrower has 737<br>LTV is less than guideline maximum - LTV 75% max 85%. Required is 85 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854548 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-22 09:00 | 2026-01-12 09:02 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Social security income removed - Due Diligence Vendor-01/12/2026 <br>Counter-Guidelines required SSI to be considered if will continue for 3 years and access without penalty. SSI Awards letter required as borrower is not of retirement age to confirm continuance. - Due Diligence Vendor-01/02/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing the SSI award letter for borrower 1. - Due Diligence Vendor-12/22/2025 |  | Resolved-Social security income removed - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.29<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 737; minimum score 660. Required is 680 Borrower has 737<br>LTV is less than guideline maximum - LTV 75% max 85%. Required is 85 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854548 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-22 08:20 | 2026-01-12 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Social security income removed - Due Diligence Vendor-01/12/2026 <br>Counter-Guidelines required SSI to be considered if will continue for 3 years and access without penalty. SSI Awards letter required as borrower is not of retirement age to confirm continuance. - Due Diligence Vendor-01/02/2026 <br>Counter-Received benefit statement only. Provide SSI awards letter as borrower is not of retirement age. - Due Diligence Vendor-12/30/2025 <br>Open-Borrower 1 Award Letter Missing Missing SSI Awards letter for b1 earning social security income. - Due Diligence Vendor-12/22/2025 |  | Resolved-Social security income removed - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.29<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 737; minimum score 660. Required is 680 Borrower has 737<br>LTV is less than guideline maximum - LTV 75% max 85%. Required is 85 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854548 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-17 14:34 | 2026-01-07 07:31 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/07/2026 <br> Counter-----Received copy of CD, LOE and Check. Missing copy of shipping label. Finding Remains. - Due Diligence Vendor-01/02/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,252.00) exceed the comparable charges ($654.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Lender's Title Insurance Policy, Title Bundle, Title Document Preparation Fee) increased by $532.60 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $532.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 Year. Expiration Date is xxxxxx.<br> - Due Diligence Vendor-12/17/2025 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/07/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.29<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 737; minimum score 660. Required is 680 Borrower has 737<br>LTV is less than guideline maximum - LTV 75% max 85%. Required is 85 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854548 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-22 13:09 | 2025-12-29 11:34 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the new Debt was included in the DTI. - Due Diligence Vendor-12/29/2025 <br>Open-LOX for credit inquiries is missing. Missing letter of explanation for inquiries listed on the credit report. - Due Diligence Vendor-12/22/2025 |  | Resolved-Upon further review, the new Debt was included in the DTI. - Due Diligence Vendor-12/29/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.29<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 737; minimum score 660. Required is 680 Borrower has 737<br>LTV is less than guideline maximum - LTV 75% max 85%. Required is 85 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854567 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854583 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 10:34 | 2026-01-08 13:27 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Public records provided that confirm the borrower occupies the subject property. - Due Diligence Vendor-01/08/2026 <br> Counter-Received Deed. Provide proof the Borrower occupies the subject as her primary residence. Finding remains. - Due Diligence Vendor-12/31/2025 <br> Open-The Borrower was deeded the subject property from current title holders xxxxxx. Both mtgs secured to the subject that are being paid with proceeds are in the name of the person on title. Provide proof the Borrower occupies the subject as her primary residence. - Due Diligence Vendor-12/23/2025 |  | Resolved-Public records provided that confirm the borrower occupies the subject property. - Due Diligence Vendor-01/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.43<br>LTV is less than guideline maximum - Required is 70 Borrower has 46.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854598 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 12:37 | 2026-01-07 13:18 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received prior policy. - Due Diligence Vendor-01/07/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Previous xxxxxx policy not in file - Due Diligence Vendor-12/30/2025 |  | Resolved-Received prior policy. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 660 - actual FICO score is 681. Required is 660 Borrower has 681<br>LTV is less than guideline maximum - Maximum LTV allowed is 80% - actual LTV is 50%. Required is 80 Borrower has 50<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 10.60%. Required is 50 Borrower has 10.6 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854598 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 12:49 | 2026-01-07 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE. - Due Diligence Vendor-01/07/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE (self employment) Prior to Close Missing. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received VOE. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 660 - actual FICO score is 681. Required is 660 Borrower has 681<br>LTV is less than guideline maximum - Maximum LTV allowed is 80% - actual LTV is 50%. Required is 80 Borrower has 50<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 10.60%. Required is 50 Borrower has 10.6 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854598 | xxxxxx D B A | Closed | xxxxxx | 2025-12-29 10:22 | 2025-12-29 10:22 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-12/29/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 660 - actual FICO score is 681. Required is 660 Borrower has 681<br>LTV is less than guideline maximum - Maximum LTV allowed is 80% - actual LTV is 50%. Required is 80 Borrower has 50<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 10.60%. Required is 50 Borrower has 10.6 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854606 | xxxxxx D A | Closed | xxxxxx | 2026-01-02 09:54 | 2026-01-12 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Form I-797 provide, which is acceptable per guides. Petitioner matches the borrower's current employer. - Due Diligence Vendor-01/12/2026 <br>Counter-Please provide a copy of the VISA - Due Diligence Vendor-01/09/2026 <br>Counter-Upon further review the I-797A was located in the loan file. Please provide the copy of the non-permanent resident card. - Due Diligence Vendor-01/07/2026 <br>Open-Borrower Citizenship Documentation Is Missing I-797a petition for nonimmigrant worker provided - Due Diligence Vendor-01/02/2026 |  | Resolved-Form I-797 provide, which is acceptable per guides. Petitioner matches the borrower's current employer. - Due Diligence Vendor-01/12/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 65.41 Required is 75 Borrower has 65.41<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 782 Required is 740 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854606 | xxxxxx D A | Closed | xxxxxx | 2026-01-02 15:28 | 2026-01-07 12:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE - Due Diligence Vendor-01/07/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE not provided - Due Diligence Vendor-01/02/2026 |  | Resolved-Received VVOE - Due Diligence Vendor-01/07/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 65.41 Required is 75 Borrower has 65.41<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 782 Required is 740 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854606 | xxxxxx D A | Closed | xxxxxx | 2026-01-02 15:35 | 2026-01-07 12:32 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-01/07/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). soft credit pulled 11/25/25 - Due Diligence Vendor-01/02/2026 |  | Resolved-Received Gap Report. - Due Diligence Vendor-01/07/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 65.41 Required is 75 Borrower has 65.41<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 782 Required is 740 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854635 | xxxxxx C A | Closed | xxxxxx | 2025-12-30 16:17 | 2026-01-14 11:04 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received confirmation of condo warranty type. - Due Diligence Vendor-01/14/2026 <br> Counter-Received HOA questionnaire, 1008 reflecting limited review. Missing UW attestation confirming condo warranty as guidelines restrict Condo projects identified by xxxxxx xxxxxx as 'Unavailable' as not eligible. - Due Diligence Vendor-01/09/2026 <br> Counter-No document provided. Missing UW Attestation/Docs Stating Warrantability are missing. - Due Diligence Vendor-01/06/2026 <br> Open-The file is missing warrantability documentation. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received confirmation of condo warranty type. - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 791<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854665 | xxxxxx B A | Closed | xxxxxx | 2026-01-21 12:16 | 2026-01-21 12:38 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 42.35. Required is 50 Borrower has 42.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 749. Required is 660 Borrower has 749 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854665 | xxxxxx B A | Closed | xxxxxx | 2026-01-21 12:16 | 2026-01-21 12:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material finding - Due Diligence Vendor-01/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material finding - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 42.35. Required is 50 Borrower has 42.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 749. Required is 660 Borrower has 749 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854671 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854757 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854798 | xxxxxx C B A | Closed | xxxxxx | 2026-01-21 15:42 | 2026-01-23 11:45 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received SSR with a CU score of 1.8 - Due Diligence Vendor-01/23/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-01/21/2026 |  | Resolved-Received SSR with a CU score of 1.8 - Due Diligence Vendor-01/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 36.74. Required is 50 Borrower has 36.74<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 705. Required is 680 Borrower has 705 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854798 | xxxxxx C B A | Closed | xxxxxx | 2026-01-15 10:46 | 2026-01-15 10:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/15/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 36.74. Required is 50 Borrower has 36.74<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 705. Required is 680 Borrower has 705 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854814 | xxxxxx C B A | Closed | xxxxxx | 2025-12-31 12:07 | 2026-01-07 13:26 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-01/07/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide updated gap report. - Due Diligence Vendor-12/31/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 733; minimum score 680. Required is 680 Borrower has 733<br>Qualifying DTI below maximum allowed - Qualifying DTI 37.86%; max 50%. Required is 50 Borrower has 37.86 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854814 | xxxxxx C B A | Closed | xxxxxx | 2025-12-31 12:23 | 2026-01-02 17:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 3.12 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 3.14 month(s) are less than Guideline Required Reserves of 6 month(s)- Lender exception to allow for 3 months reserves. Non-material with compensating factors. - Due Diligence Vendor-01/02/2026 <br>Open-Audited Reserves of 3.12 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 3.14 month(s) are less than Guideline Required Reserves of 6 month(s)- Lender exception to allow for 3 months reserves. Non-material with compensating factors. - Due Diligence Vendor-12/31/2025 |  | Waived-Audited Reserves of 3.12 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 3.14 month(s) are less than Guideline Required Reserves of 6 month(s)- Lender exception to allow for 3 months reserves. Non-material with compensating factors. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 733; minimum score 680. Required is 680 Borrower has 733<br>Qualifying DTI below maximum allowed - Qualifying DTI 37.86%; max 50%. Required is 50 Borrower has 37.86 | credit score 30+ points >minimum required. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 854814 | xxxxxx C B A | Closed | xxxxxx | 2025-12-30 12:43 | 2025-12-30 13:53 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-12/30/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 733; minimum score 680. Required is 680 Borrower has 733<br>Qualifying DTI below maximum allowed - Qualifying DTI 37.86%; max 50%. Required is 50 Borrower has 37.86 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 854824 | xxxxxx C A | Closed | xxxxxx | 2026-01-06 17:40 | 2026-01-16 09:39 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received correct hOI reflecting effective date on disbursement date. - Due Diligence Vendor-01/16/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Provide evidence of Hazard insurance Effective xxxxxx (disbursement date). - Due Diligence Vendor-01/06/2026 |  | Resolved-Received correct hOI reflecting effective date on disbursement date. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 680 - actual FICO score is 802. Required is 680 Borrower has 802<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 34.66%. Required is 50 Borrower has 34.66 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854836 | xxxxxx C A | Closed | xxxxxx | 2026-01-02 10:36 | 2026-01-07 11:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.45.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----Received COC for increase in fees. The rest is rounding issue. Finding Resolved. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-First COC is for rate lock set the baseline for discount points<br> Next COC is for escrow waiver to support the DPs increasing.<br>- Seller-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $9,966.45.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $9,966 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $9,966, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx.<br>----- $0.45 rounding issue accounted<br> - Due Diligence Vendor-01/02/2026 | Ready for Review-First COC is for rate lock set the baseline for discount points<br> Next COC is for escrow waiver to support the DPs increasing.<br>- Seller-01/06/2026 <br>Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.45.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----Received COC for increase in fees. The rest is rounding issue. Finding Resolved. - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.42 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854836 | xxxxxx C A | Closed | xxxxxx | 2026-01-06 06:29 | 2026-01-07 08:47 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-This loan was put on the 1003 in error. The car loan, matching the account number, is paid in full on the credit report. - Due Diligence Vendor-01/07/2026 <br> Open-A new auto loan was opened with xxxxxx, per 1003. Missing new statement or terms confirming payment, audit used amount stated on the 1003. - Due Diligence Vendor-01/06/2026 |  | Resolved-This loan was put on the 1003 in error. The car loan, matching the account number, is paid in full on the credit report. - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.42 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854836 | xxxxxx C A | Closed | xxxxxx | 2026-01-06 10:07 | 2026-01-07 08:46 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-This loan was put on the 1003 in error. The car loan, matching the account number, is paid in full on the credit report. - Due Diligence Vendor-01/07/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. A new auto loan was opened, per 1003. Missing new statement or terms confirming payment, audit used amount stated on the 1003. - Due Diligence Vendor-01/06/2026 |  | Resolved-This loan was put on the 1003 in error. The car loan, matching the account number, is paid in full on the credit report. - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.42 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854848 | xxxxxx C A | Closed | xxxxxx | 2026-01-07 08:38 | 2026-01-20 11:37 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received gift letters and donor documentation. - Due Diligence Vendor-01/20/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements The guidelines state large deposits are defined as any single deposit that represents more than 50% of the borrower's qualifying monthly income must be sourced. There are unsourced large deposits in the borrower's xxxxxx account xxxxxx for $12,700 and $10,000. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received gift letters and donor documentation. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 780. Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 45. Borrower has 34.56. Required is 45 Borrower has 34.56 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854850 | xxxxxx D A | Closed | xxxxxx | 2025-12-04 17:48 | 2025-12-10 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received Updated 1003. - Due Diligence Vendor-12/10/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-12/04/2025 |  | Resolved-Received Updated 1003. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804<br>Months Reserves exceed minimum required - 24 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854851 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 12:17 | 2026-01-07 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received 4506C for Borrower 2 - Due Diligence Vendor-01/07/2026 <br>Open-Borrower 2 Executed 4506-T/4506-C is Missing Signed 4506C does not reflect the tax year or transcript type. The only additonal 4506 uploaded with the form and dates requested is unsigned by the Borrower. - Due Diligence Vendor-12/12/2025 |  | Resolved-Received 4506C for Borrower 2 - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854851 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 11:41 | 2025-12-19 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-12/19/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing VVOE not seen in file for B2. Latest paystub is dated 10/31/25. - Due Diligence Vendor-12/12/2025 |  | Resolved-Received VVOE. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854851 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 11:39 | 2025-12-19 11:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR - Due Diligence Vendor-12/19/2025 <br> Open-Housing History Does Not Meet Guideline Requirements As the borrower's rental history is not reported on the credit report, a VOR must be provided. Currently- only verification of xxxxxx transfers to landlord are in file.<br> - Due Diligence Vendor-12/12/2025 |  | Resolved-Received VOR - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854851 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 12:17 | 2025-12-19 11:58 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Oct statement. - Due Diligence Vendor-12/19/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements-Missing the Oct 2025 statement for xxxxxx. Currently only the Aug 25, Sept 25 and partial Nov 25 stmts are in file. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received Oct statement. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854858 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 09:09 | 2026-01-20 11:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-01/20/2026 <br>Open-Audited Reserves of 3.74 month(s) are less than Guideline Required Reserves of 4 month(s) Insufficient assets for reserves. As per Guides: "Loan amount >= $1,000,000 or LTV > 75%: 4 months Principal & Interest payment" - Due Diligence Vendor-01/08/2026 |  | Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-01/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 43. Required is 50 Borrower has 43<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 728. Required is 680 Borrower has 728<br>LTV is less than guideline maximum - Required is 75. Borrower has 61.96. Required is 75 Borrower has 61.96 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854862 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 10:08 | 2026-01-16 09:43 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received EMD source and clearance. - Due Diligence Vendor-01/16/2026 <br>Open-Provide docs verifying EMD cleared borrower's account. (EMD $49,011 verified on CD, but not verified from borrower's funds). - Due Diligence Vendor-12/23/2025 |  | Resolved-Received EMD source and clearance. - Due Diligence Vendor-01/16/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807 Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854862 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 10:06 | 2026-01-05 10:32 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received revised Gift Letter. - Due Diligence Vendor-01/05/2026 <br>Open-Provide fully executed Gift letter with correct amount of Gift funds, matching amount wired to Title Company & verification funds came from donor's account. (Gift funds of $284,218.93 verified on CD). - Due Diligence Vendor-12/23/2025 |  | Resolved-Received revised Gift Letter. - Due Diligence Vendor-01/05/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807 Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854862 | xxxxxx C A | Closed | xxxxxx | 2025-12-19 14:09 | 2025-12-30 08:29 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received initial CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/30/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -----Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-12/19/2025 |  | Resolved-Received initial CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/30/2025 | LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807 Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854913 | xxxxxx B A | Closed | xxxxxx | 2025-12-30 21:13 | 2026-01-05 10:26 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-01/05/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/31/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714 Required is 680 Borrower has 714<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.95 Required is 50 Borrower has 20.95 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854913 | xxxxxx B A | Closed | xxxxxx | 2025-12-30 12:50 | 2026-01-02 10:52 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.839% is within allowable threshold of APOR of 6.190% + 1.75% or 7.940%. - Due Diligence Vendor-01/02/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.839% is within allowable threshold of APOR of 6.190% + 1.75% or 7.940%. - Due Diligence Vendor-12/30/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.839% is within allowable threshold of APOR of 6.190% + 1.75% or 7.940%. - Due Diligence Vendor-01/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714 Required is 680 Borrower has 714<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.95 Required is 50 Borrower has 20.95 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854934 | xxxxxx C B A | Closed | xxxxxx | 2026-01-09 09:46 | 2026-01-16 09:51 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received AIR certification. - Due Diligence Vendor-01/16/2026 <br> Open-Missing attestation/cert from the lender that AIR regulations were met. Guideline section 2.10.1 requires that appraisals must be ordered using one of two processes. The appraisal must either be ordered through an xxxxxx (xxxxxx) that complies with Appraiser Independence Requirements (AIR), or via the correspondent's own AIR-compliant process. Appraisal in file notes No xxxxxx. Additional findings may apply. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received AIR certification. - Due Diligence Vendor-01/16/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 16.27<br>Months Reserves exceed minimum required - 17.39 months reserves and 12 months required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854934 | xxxxxx C B A | Closed | xxxxxx | 2026-01-09 10:04 | 2026-01-09 15:16 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Client waiver applied to non material finding with comp factors. <br> - Due Diligence Vendor-01/09/2026 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Borrower self-employed for less than 2 years. Borrower LOX notes business started xxxxxx, or 1.92 months prior to note date. Entity information notes business formation date of xxxxxx, or 1.58 months prior to note date. Guideline Section 2.8.6.1.1 requires that borrowers must be self-employed for at least two (2) years but allows less than two (2) years if the borrower has been employed in the same line of work and same industry for at least two (2) years, with supporting documentation. Verification provided that borrower has previous experience in the same line of work.<br> - Due Diligence Vendor-01/09/2026 |  | Waived-Client waiver applied to non material finding with comp factors. <br> - Due Diligence Vendor-01/09/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 16.27<br>Months Reserves exceed minimum required - 17.39 months reserves and 12 months required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854934 | xxxxxx C B A | Closed | xxxxxx | 2026-01-09 09:48 | 2026-01-09 15:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Purchase Contract Issue | Waived-Client waiver applied to non material finding with comp factors. <br> - Due Diligence Vendor-01/09/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing evidence that person signed the purchase agreement was authorized to sign on behalf of the seller. The purchase agreement acceptance was signed by third party as well as some addendums. The seller noted on page 1 signed some of the addendums. - Due Diligence Vendor-01/09/2026 |  | Waived-Client waiver applied to non material finding with comp factors. <br> - Due Diligence Vendor-01/09/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 16.27<br>Months Reserves exceed minimum required - 17.39 months reserves and 12 months required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854934 | xxxxxx C B A | Closed | xxxxxx | 2026-01-07 21:52 | 2026-01-07 21:52 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/08/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/08/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 16.27<br>Months Reserves exceed minimum required - 17.39 months reserves and 12 months required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 854935 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854945 | xxxxxx C B A | Closed | xxxxxx | 2025-12-04 17:04 | 2026-01-09 09:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. Accepting 12 months of payment coupons marked paid in full. - Due Diligence Vendor-01/09/2026 <br> Counter-Received payment coupons. As the mortgage is with a private party or non-institutional lender, 6 months cancelled checks or bank statements must be provided. Finding remains. - Due Diligence Vendor-12/12/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Brws 2nd mtg being paid with proceeds is with xxxxxx. As the mortgage is with a private party or non-institutional lender, 6 months cancelled checks or bank statements must be provided. Currently only 12 mos of payment coupons are in file. - Due Diligence Vendor-12/09/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Accepting 12 months of payment coupons marked paid in full. - Due Diligence Vendor-01/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.7<br>Months Reserves exceed minimum required - 11.72 months reserves exceeds 6 months minimum required | 44.7% DTI<br> $12,000 residual income<br> 11 months of reserves <br> 701 fico | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854945 | xxxxxx C B A | Closed | xxxxxx | 2025-12-08 20:24 | 2025-12-12 09:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-12/12/2025 <br>Open-Audited FICO of 701 is less than Guideline FICO of 720 Per guidelines - Escrow Waivers - <br> • Non-HPML Consumer Purpose Loans & Business Purpose Loans<br> - LTV ≤ 80%<br> - FICO ≥ 720<br> - Minimum 6 months reserves - Due Diligence Vendor-12/09/2025 |  | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.7<br>Months Reserves exceed minimum required - 11.72 months reserves exceeds 6 months minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854949 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 13:50 | 2026-01-12 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA letter provided. - Due Diligence Vendor-01/12/2026 <br> Counter-Tax preparer verification provided, please provide the Tax preparer letter with the listed guideline requirements. - Due Diligence Vendor-12/23/2025 <br> Open-Borrower 1 CPA Letter Missing Provide A letter signed by the CPA, xxxxxx or EA (Enrolled Agent), an Attorney on their business letterhead stating all of the followings: Name, address, phone number, and license number for the preparer; Confirmation that they prepared the most recent 2 years tax return filing for the borrower's business ; and Borrower's business name, borrower's name, and the percentage ownership of borrower to the business - Due Diligence Vendor-12/15/2025 |  | Resolved-CPA letter provided. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.97 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854949 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 14:10 | 2025-12-24 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received fraud report, SAM and OFAC clearances. - Due Diligence Vendor-12/24/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists xxxxxx xxxxxx, xxxxxx xxxxxx, xxxxxx xxxxxx to be added to interested parties - Due Diligence Vendor-12/12/2025 |  | Resolved-Received fraud report, SAM and OFAC clearances. - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.97 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854956 | xxxxxx C A | Closed | xxxxxx | 2026-01-14 10:50 | 2026-01-23 12:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-PCCD provided confirming gift funds. - Due Diligence Vendor-01/23/2026 <br>Open-Asset 4 Does Not Meet Guideline Requirements Lender to provide receipt of gift funds. Final CD does not reflect gift amount - Due Diligence Vendor-01/14/2026 |  | Resolved-PCCD provided confirming gift funds. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.83 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854969 | xxxxxx C A | Closed | xxxxxx | 2026-01-09 09:15 | 2026-01-27 18:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-First-time homebuyers (FTHB) require a DTI of 43% if living rent free. - Due Diligence Vendor-01/27/2026 <br>Counter-Received guideline reflecting max dti is 43% if living rent free. Missing rent free letter from property owner. - Due Diligence Vendor-01/21/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter - Due Diligence Vendor-01/09/2026 |  | Resolved-First-time homebuyers (FTHB) require a DTI of 43% if living rent free. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 788 Required is 660 Borrower has 788<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854969 | xxxxxx C A | Closed | xxxxxx | 2026-01-09 09:30 | 2026-01-27 10:12 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received corrected final 1003 - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/26/2026 <br>Counter-Received 1008 removing $450/$20k liability. Missing corrected 1003 - Due Diligence Vendor-01/21/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Application has a debt $450.00 with a balance of $20000 that has not been verified. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received corrected final 1003 - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 788 Required is 660 Borrower has 788<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854969 | xxxxxx C A | Closed | xxxxxx | 2026-01-09 09:30 | 2026-01-27 10:12 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received corrected 1003 - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. - Seller-01/26/2026 <br>Counter-Received 1008 removing $450/$20k liability. Missing corrected 1003 - Due Diligence Vendor-01/21/2026 <br>Open-The Originator QM Status is not the same as the Final QM Status. Application has a debt $450.00 with a balance of $20000 that has not been verified. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Received corrected 1003 - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 788 Required is 660 Borrower has 788<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854969 | xxxxxx C A | Closed | xxxxxx | 2026-01-09 09:30 | 2026-01-27 10:11 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received corrected 1003 - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/26/2026 <br>Counter-Received 1008 removing $450/$20k liability. Missing corrected 1003 - Due Diligence Vendor-01/21/2026 <br>Open-Application has a debt $450.00 with a balance of $20000 that has not been verified. Provide statement and payment history. Additional conditions may apply. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received corrected 1003 - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 788 Required is 660 Borrower has 788<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854982 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 11:05 | 2026-01-12 11:05 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing histories provided for both properties. - Due Diligence Vendor-01/12/2026 <br> Counter-For clarification, missing mortgage rating for the following properties: xxxxxx and xxxxxx. - Due Diligence Vendor-01/02/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing a complete 12 month history for REO xxxxxx and xxxxxx reflecting 0x30. - Due Diligence Vendor-12/29/2025 |  | Resolved-Housing histories provided for both properties. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800<br>Qualifying DTI below maximum allowed - DTI is 40.79% and max allowed is 50%. Required is 50 Borrower has 40.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854982 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 10:55 | 2026-01-12 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing histories provided for both properties. - Due Diligence Vendor-01/12/2026 <br> Counter-For clarification, missing mortgage rating for the following properties: xxxxxx and xxxxxx. - Due Diligence Vendor-01/02/2026 <br> Open-Housing History Does Not Meet Guideline Requirements. Missing a complete 12 month history for REO xxxxxx and xxxxxx reflecting 0x30. - Due Diligence Vendor-12/29/2025 |  | Resolved-Housing histories provided for both properties. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800<br>Qualifying DTI below maximum allowed - DTI is 40.79% and max allowed is 50%. Required is 50 Borrower has 40.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855011 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 12:07 | 2025-12-30 17:54 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received escrow receipt of gift funds. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-12/27/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing proof of Gift funds ($151,793.57) wired to closing. Final CD xxxxxx does not reflect receipt of Donor funds. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/27/2025<br>| Resolved-Received escrow receipt of gift funds. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855011 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 14:52 | 2025-12-22 15:47 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. PLease see attached - Seller-12/19/2025 <br>Open-Missing from loan file. Subject to additional conditions - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. PLease see attached - Seller-12/19/2025<br>| Resolved-Received Seller CD. - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855015 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855041 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 11:21 | 2026-01-08 10:55 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received LE and COC dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Please see attached, for the COC regarding the appraisal report fee - Seller-01/07/2026 <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 $140.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $140.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $140.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. Please see attached, for the COC regarding the appraisal report fee - Seller-01/07/2026<br>| Resolved-----Received LE and COC dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855042 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-10 11:37 | 2025-12-31 11:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved----Received COC for changes in Title Fees. Finding Resolved. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see the COC for the title fees change - Seller-12/29/2025 <br> Counter----The fees increased from the initial Loan Estimate to the Final Closing disclosure. Testing for fees begins at the initial Loan Estimate.and compares to the Final Closing disclosure. Title Fees are all in Section B, therefore they test at 10%. THere are no COCs in file to determine valid increases. The fees which increased were the Electronic Recording Service Fee, Notary Fee, Settlement Fee and Title Endorsement Fee. The total increase tolerance of 10% results in a $233.50 increase violation. Finding remains. - Due Diligence Vendor-12/24/2025 <br> Ready for Review------Per itemization in comment, the fees which increased were the Electronic Recording Service Fee, Notary Fee, Settlement Fee and Title Endorsement Fee. The total increase tolerance of 10% results in a $233.50 increase violation. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-xxxxxx Team, Can you please clarify which fee increased? Our Compliance dept review the charges and all fee's on 10 percent section did not change. - Seller-12/18/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,561.00) exceed the comparable charges ($3,025.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Notary - $125.00, - Electronic Recording Service - $8.00, - Settlement - $888.00, - Endorsement - $400.00) increased by $3,025.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $233.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. xxxxxx, please see the COC for the title fees change - Seller-12/29/2025 <br>Ready for Review-xxxxxx Team, Can you please clarify which fee increased? Our Compliance dept review the charges and all fee's on 10 percent section did not change. - Seller-12/18/2025<br>| Resolved----Received COC for changes in Title Fees. Finding Resolved. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 746. Per guide, a minimum score required 680. Required is 680 Borrower has 746<br>Qualifying DTI below maximum allowed - Borr DTI 30.87%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 30.87 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855042 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-16 19:05 | 2025-12-19 15:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. xxxxxx xxxxxx - Seller-12/18/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. xxxxxx xxxxxx - Seller-12/18/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 746. Per guide, a minimum score required 680. Required is 680 Borrower has 746<br>Qualifying DTI below maximum allowed - Borr DTI 30.87%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 30.87 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855042 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-10 11:13 | 2025-12-10 11:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 746. Per guide, a minimum score required 680. Required is 680 Borrower has 746<br>Qualifying DTI below maximum allowed - Borr DTI 30.87%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 30.87 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 855049 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855051 | xxxxxx D A | Closed | xxxxxx | 2026-01-02 09:44 | 2026-01-07 07:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-01/02/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 723<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.91 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855056 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 14:40 | 2025-12-15 10:02 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Client confirmed 36 months Prepayment Penalty. - Due Diligence Vendor-12/15/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '12' Diligence value '36'. Prepayment Per Addendum is 36 months vs tape at 12 months - Due Diligence Vendor-12/09/2025 |  | Resolved-Client confirmed 36 months Prepayment Penalty. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 709<br>LTV is less than guideline maximum - LTV 51.72%. LTV Allowed 75% Required is 75 Borrower has 51.72 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855057 | xxxxxx D B A | Closed | xxxxxx | 2025-12-31 09:33 | 2026-01-12 11:02 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received copy of Note confirming borrower is not obligated. - Due Diligence Vendor-01/12/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Brws departure residence is listed as free and clear on the 1003 but the property detail report for this REO reflects a purchase money lien of xxxxxx was used to acquire the property xxxxxx. Credit does not reflect this mortgage as paid/clsd. Provide proof this mtg has been satisfied to ensure no outstanding debt not reporting on credit. - Due Diligence Vendor-12/31/2025 |  | Resolved-Received copy of Note confirming borrower is not obligated. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855057 | xxxxxx D B A | Closed | xxxxxx | 2025-12-31 09:17 | 2025-12-31 13:58 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Waived-Originator exception granted to allow transcripts unavailable, Non-material waiver applied with comp factors. non-material due 80% LTV, 39.84% DTI, 731 Fico and 9.42 months reserves - Due Diligence Vendor-12/31/2025 <br>Open-Borrower 1 IRS Transcripts Missing Exception request for 2023 Transcript not available. Approved exception from lender in file. - Due Diligence Vendor-12/31/2025 |  | Waived-Originator exception granted to allow transcripts unavailable, Non-material waiver applied with comp factors. non-material due 80% LTV, 39.84% DTI, 731 Fico and 9.42 months reserves - Due Diligence Vendor-12/31/2025<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 | DTI <= 40% which is below requirement in guidelines<br> Current primary home ownership > 10 years<br> Reserves exceed requirement by 2 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | N/A | xxxxxx |
| 855101 | xxxxxx C A | Closed | xxxxxx | 2026-01-09 11:33 | 2026-01-22 13:07 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-01/22/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description in mortgage chain for recording purposes. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received DOT w/Legal. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 66.42 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855107 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 855123 | xxxxxx D A C | Closed | xxxxxx | 2025-12-19 16:25 | 2026-02-10 13:52 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-02/10/2026 <br> Counter-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-01/07/2026 <br> Counter-----Need Homeownership Counseling list dated within 3 days of application dated xxxxxx. Finding Remains - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. ----- The homeownership counseling organizations list in file was mot provided within three days of the initial application date of xxxxxx. - Due Diligence Vendor-12/19/2025 |  | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-02/10/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 64.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855123 | xxxxxx D A C | Closed | xxxxxx | 2025-12-24 11:36 | 2026-02-10 10:20 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Two or more full valuation products are present, or not required. - Due Diligence Vendor-01/13/2026 <br>Open-Guides require 2nd appraisal for loans > $2mm on refinance transactions. - Due Diligence Vendor-12/29/2025 |  | Resolved-Two or more full valuation products are present, or not required. - Due Diligence Vendor-01/13/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 64.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855123 | xxxxxx D A C | Closed | xxxxxx | 2025-12-19 16:14 | 2026-01-08 12:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-File is construction to perm. No ROR required. Finding Resolved. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-1026.23 Right of rescission. \| Consumer Financial Protection Bureau<br>3. Principal dwelling. A consumer can only have one principal dwelling at a time. (But see comment 23(a)(1)-4.) A vacation or other second home would not be a principal dwelling. A transaction secured by a second home (such as a vacation home) that is not currently being used as the consumer's principal dwelling is not rescindable, even if the consumer intends to reside there in the future. When a consumer buys or builds a new dwelling that will become the consumer's principal dwelling within one year or upon completion of construction, the new dwelling is considered the principal dwelling if it secures the acquisition or construction loan. In that case, the transaction secured by the new dwelling is a residential mortgage transaction and is not rescindable. For example, if a consumer whose principal dwelling is currently A builds B, to be occupied by the consumer upon completion of construction, a construction loan to finance B and secured by B is a residential mortgage transaction. Dwelling, as defined in 1026.2, includes structures that are classified as personalty under state law. For example, a transaction secured by a mobile home, trailer, or houseboat used as the consumer's principal dwelling may be rescindable. - Buyer-01/07/2026 <br> Counter-----Finding was not addressed. Finding remains. - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----The disbursement date of xxxxxx disclosed on Final CD xxxxxx and PCCD xxxxxx is not after the rescission period. Please provide a PCCD with correct disbursement date. - Due Diligence Vendor-12/19/2025 |  | Resolved-File is construction to perm. No ROR required. Finding Resolved. - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 64.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855123 | xxxxxx D A C | Closed | xxxxxx | 2025-12-19 14:00 | 2026-01-08 12:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-File is construction to perm. No ROR required. Finding Resolved. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-1026.23 Right of rescission. \| Consumer Financial Protection Bureau<br>3. Principal dwelling. A consumer can only have one principal dwelling at a time. (But see comment 23(a)(1)-4.) A vacation or other second home would not be a principal dwelling. A transaction secured by a second home (such as a vacation home) that is not currently being used as the consumer's principal dwelling is not rescindable, even if the consumer intends to reside there in the future. When a consumer buys or builds a new dwelling that will become the consumer's principal dwelling within one year or upon completion of construction, the new dwelling is considered the principal dwelling if it secures the acquisition or construction loan. In that case, the transaction secured by the new dwelling is a residential mortgage transaction and is not rescindable. For example, if a consumer whose principal dwelling is currently A builds B, to be occupied by the consumer upon completion of construction, a construction loan to finance B and secured by B is a residential mortgage transaction. Dwelling, as defined in 1026.2, includes structures that are classified as personalty under state law. For example, a transaction secured by a mobile home, trailer, or houseboat used as the consumer's principal dwelling may be rescindable. - Buyer-01/07/2026 <br> Counter-----Finding not addressed. Finding remains. - Due Diligence Vendor-12/31/2025 <br> Open-Right of Rescission is Missing Provide the executed Right of Recission. - Due Diligence Vendor-12/19/2025 |  | Resolved-File is construction to perm. No ROR required. Finding Resolved. - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 64.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855123 | xxxxxx D A C | Closed | xxxxxx | 2025-12-19 16:14 | 2025-12-31 08:29 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,400.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $8,805.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $8805 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $8805 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years, expiration date is xxxxxx. - Due Diligence Vendor-12/19/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/31/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 64.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855123 | xxxxxx D A C | Closed | xxxxxx | 2025-12-19 16:25 | 2025-12-31 08:24 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received LE and SPL dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($7,174.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----Ten (10%) tolerance fees increased by $7174 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $7174, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-12/19/2025 |  | Resolved-----Received LE and SPL dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/31/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 64.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855123 | xxxxxx D A C | Closed | xxxxxx | 2025-12-19 16:25 | 2025-12-31 08:24 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-----Received LE and SPL dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date of xxxxxx. Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-12/19/2025 |  | Resolved-----Received LE and SPL dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/31/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 64.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855136 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 17:16 | 2026-01-20 10:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received purpose of cash out letter. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/16/2026 <br>Counter-Review did not receive purpose of cash out letter. Please re upload. - Due Diligence Vendor-01/16/2026 <br>Open-For Cash-Out Refinances- A letter explaining the use of loan proceeds is required for all transactions which was not seen in file. <br> - Due Diligence Vendor-01/07/2026 |  | Resolved-Received purpose of cash out letter. - Due Diligence Vendor-01/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 747 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855136 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 16:43 | 2026-01-16 09:58 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-01/16/2026 <br> Open-LOX for credit inquiries is missing. LOX for the following credit inquiries is required (reflected on the 12/2/25 credit pull): Factual Data/Third Federal Saving 11/1/25 & xxxxxx. Currently the only inquiry letter provided addresses a recent draw from Borrowers existing xxxxxx account. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-01/16/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 747 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855168 | xxxxxx C A | Closed | xxxxxx | 2026-01-09 08:36 | 2026-01-13 11:26 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received xxxxxx auto loan statement confirming payment considered. - Due Diligence Vendor-01/13/2026 <br> Open-Inquiry letter of explanation states Borrower co-signed on daughters xxxxxx and the inquiry from xxxxxx resulted in a new payment of $223.83/mo. Provide a statement for this new auto loan to verify balance and payment as it is not reporting on either the original or gap credit report. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received xxxxxx auto loan statement confirming payment considered. - Due Diligence Vendor-01/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 Required is 700 Borrower has 744<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 59.7 Required is 90 Borrower has 59.7 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855169 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855175 | xxxxxx C A | Closed | xxxxxx | 2025-12-24 07:22 | 2026-01-09 14:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income documentation. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-xxxxxx is a single member entity and the income/expenses are claimed on Schedule C of 1040 personal tax returns already in file. There are NO business tax returns or K-1s to provide. Please waive this finding. xxxxxx. - Buyer-01/07/2026 <br> Counter-Internal condition as Missing 1065 and all K-1s for for xxxxxx. - Due Diligence Vendor-01/05/2026 <br> Counter-No document attached. - Due Diligence Vendor-12/30/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-12/24/2025 |  | Resolved-Received income documentation. - Due Diligence Vendor-01/07/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 33.73. Required is 50 Borrower has 33.73<br>LTV is less than guideline maximum - Required is 80. Borrower has 75. Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 797. Required is 720 Borrower has 797 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855175 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 15:42 | 2026-01-07 13:34 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received clarification, xxxxxx claimed on Schedule C. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-xxxxxx is a single member entity and the income/expenses are claimed on Schedule C of 1040 personal tax returns already in file. There are NO business tax returns or K-1s to provide. Please waive this finding. xxxxxx. - Buyer-01/07/2026 <br> Counter-Received k-1 for xxxxxx for 2024. Missing 1065 and all K-1s. Finding remains. - Due Diligence Vendor-01/05/2026 <br> Counter-No document attached. - Due Diligence Vendor-12/30/2025 <br> Open-Income and Employment Do Not Meet Guidelines Provide business tax returns for xxxxxx. Business tax returns in file are for xxxxxx. - Due Diligence Vendor-12/23/2025 |  | Resolved-Received clarification, xxxxxx claimed on Schedule C. - Due Diligence Vendor-01/07/2026 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 33.73. Required is 50 Borrower has 33.73<br>LTV is less than guideline maximum - Required is 80. Borrower has 75. Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 797. Required is 720 Borrower has 797 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855179 | xxxxxx C A | Closed | xxxxxx | 2026-01-27 10:01 | 2026-01-27 14:25 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Upon further, guidelines accept Non Warrantable condominiums. No further documentation is required. - Due Diligence Vendor-01/27/2026 <br>Open-Non Warrantable condo due to Pending Special Assessments. - Due Diligence Vendor-01/27/2026 |  | Resolved-Upon further, guidelines accept Non Warrantable condominiums. No further documentation is required. - Due Diligence Vendor-01/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855237 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855255 | xxxxxx C A | Closed | xxxxxx | 2026-01-09 13:24 | 2026-01-27 07:13 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/27/2026 <br> Counter----Please provide a LE or CD that is within 3 days of the COC provided dated xxxxxx. Finding Remains. - Due Diligence Vendor-01/23/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,132.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $2,132.00 (discount point fee and credit report) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of$2,132.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - X Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-01/09/2026 |  | Resolved-----Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.99 Required is 50 Borrower has 21.99<br>LTV is less than guideline maximum - Required is 75 Borrower has 28.16 Required is 75 Borrower has 28.16 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855255 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 08:31 | 2026-01-26 07:13 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-----Received copy of Service Provider List. Finding Resolved. - Due Diligence Vendor-01/26/2026 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-01/09/2026 |  | Resolved-----Received copy of Service Provider List. Finding Resolved. - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.99 Required is 50 Borrower has 21.99<br>LTV is less than guideline maximum - Required is 75 Borrower has 28.16 Required is 75 Borrower has 28.16 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855255 | xxxxxx C A | Closed | xxxxxx | 2026-01-11 09:17 | 2026-01-23 12:11 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Title Supplement with the correct Vesting. - Due Diligence Vendor-01/23/2026 <br> Counter-Received supplement reflecting borrowers name but vesting not addressed. Finding remains - Due Diligence Vendor-01/16/2026 <br> Open-Property Title Issue Title vesting incorrect, update not found. - Due Diligence Vendor-01/11/2026 |  | Resolved-Received Title Supplement with the correct Vesting. - Due Diligence Vendor-01/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.99 Required is 50 Borrower has 21.99<br> LTV is less than guideline maximum - Required is 75 Borrower has 28.16 Required is 75 Borrower has 28.16 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855259 | xxxxxx C B A | Closed | xxxxxx | 2026-01-07 16:23 | 2026-01-08 08:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors- To allow money orders as proof of rental payments. - Due Diligence Vendor-01/08/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The VOR was completed by a non-institutional landlord and must be supported by 6 months payment proof. (cancelled checks, bank statements, xxxxxx or other cash exchange apps, cash receipts, rental statements including payment history, etc.) Originator received the VOR and money order for 6 month payment proof, also 1 month of rent free letter. - Due Diligence Vendor-01/07/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors- To allow money orders as proof of rental payments. - Due Diligence Vendor-01/08/2026<br>| Months Reserves exceed minimum required - required 4 months borrower has 16 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 818 | Credit Score 30+ Points from the minimum required.<br> Employed at the same job more than 5 years.<br> Employed in same profession more than 10 years. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 855297 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855313 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 12:29 | 2026-01-16 10:08 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-01/16/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Additional valuation product not provided. - Due Diligence Vendor-01/13/2026 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-01/16/2026 | Qualifying DTI below maximum allowed - Required is 45 Borrower has 36.58<br>Months Reserves exceed minimum required - 7.16 mos reserves; 2 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855313 | xxxxxx C B A | Closed | xxxxxx | 2026-01-08 16:58 | 2026-01-08 17:24 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/08/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/08/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 36.58<br>Months Reserves exceed minimum required - 7.16 mos reserves; 2 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 855323 | xxxxxx C A | Closed | xxxxxx | 2026-01-02 12:15 | 2026-01-09 13:15 | Resolved | 1 - Information B A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated tax search provided for the borrower's primary. - Due Diligence Vendor-01/09/2026 <br> Open-Audited DTI of 50.16% exceeds Guideline DTI of 50% Audit calculated higher taxes on primary home. - Due Diligence Vendor-01/02/2026 |  | Resolved-Updated tax search provided for the borrower's primary. - Due Diligence Vendor-01/09/2026<br>| Months Reserves exceed minimum required - 4 months required. borrower has 56 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855323 | xxxxxx C A | Closed | xxxxxx | 2026-01-02 11:32 | 2026-01-08 12:05 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received the Final SELLER CD/HUD - Due Diligence Vendor-01/08/2026 <br> Open-The Final SELLER CD/HUD is missing. Needed to confirm funds were dispersed correctly. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received the Final SELLER CD/HUD - Due Diligence Vendor-01/08/2026<br>| Months Reserves exceed minimum required - 4 months required. borrower has 56 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855324 | xxxxxx C B A | Closed | xxxxxx | 2026-01-15 11:16 | 2026-01-21 11:22 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-01/15/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-01/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708 Required is 660 Borrower has 708<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.86 Required is 50 Borrower has 33.86 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855418 | xxxxxx C A | Closed | xxxxxx | 2026-01-14 12:11 | 2026-01-21 11:14 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received CU with score of 1. - Due Diligence Vendor-01/21/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. 2nd review needed per guides. CDA\Desk Review fee lsited on LE but not CD, no CU or LCA found. - Due Diligence Vendor-01/14/2026 |  | Resolved-Received CU with score of 1. - Due Diligence Vendor-01/21/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 766<br>LTV is less than guideline maximum - Required is 85 Borrower has 74.93 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855420 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 18:23 | 2026-01-20 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-01/20/2026 <br> Open-LOX for credit inquiries is missing. Provide letter of explanation for Credit Inquiries. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-01/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683<br>LTV is less than guideline maximum - Required is 80 Borrower has 47.92 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855420 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 18:23 | 2026-01-20 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller CD. - Due Diligence Vendor-01/14/2026 <br> Open-The Final SELLER CD/HUD is missing. Provide Final Seller CD/HUD. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received seller CD. - Due Diligence Vendor-01/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683<br>LTV is less than guideline maximum - Required is 80 Borrower has 47.92 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855420 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 05:33 | 2026-01-16 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Received 3 months of each. - Due Diligence Vendor-01/16/2026 <br> Open-Borrower 1 Personal Bank Statements Missing Missing additional statements for the following xxxxxx asset accounts :<br> xxxxxx - additional 2 months<br> xxxxxx - additional 2 months<br> xxxxxx - additional 2 months<br> (3 months required per guidelines)<br> - Due Diligence Vendor-01/08/2026 |  | Resolved-Received 3 months of each. - Due Diligence Vendor-01/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683<br>LTV is less than guideline maximum - Required is 80 Borrower has 47.92 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855420 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 18:32 | 2026-01-16 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Received purchase contract addendum confirming included in purchase price and system is owned. - Due Diligence Vendor-01/16/2026 <br> Open-Provide xxxxxx lease agreement showing current payment and balance. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received purchase contract addendum confirming included in purchase price and system is owned. - Due Diligence Vendor-01/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683<br>LTV is less than guideline maximum - Required is 80 Borrower has 47.92 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855422 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 14:59 | 2026-01-06 11:07 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-01/02/2026 <br> Open-ATR: Reasonable Income or Assets Not Considered Missing Sept 2025 statement for xxxxxx for Asset Utilization qualification. - Due Diligence Vendor-12/22/2025 |  | Resolved-ATR: Reasonable Income or Assets Was Considered - Due Diligence Vendor-01/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855422 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 14:59 | 2026-01-06 11:07 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Credit History was not Considered Properly | Resolved-Received acceptable VOR. - Due Diligence Vendor-01/02/2026 <br> Open-ATR: Credit History was not Considered Properly Alternative documentation showing the most recent 6-month history (cancelled checks, mortgage/rental statements including payment history, etc.) must be provided. - Due Diligence Vendor-12/22/2025 |  | Resolved-Received acceptable VOR. - Due Diligence Vendor-01/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855422 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 14:59 | 2026-01-06 11:07 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Sept statement. - Due Diligence Vendor-01/02/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Alternative documentation showing the most recent 6-month rental history must be provided.<br> 2. Missing Sept 2025 statement for xxxxxx for Asset Utilization qualification. - Due Diligence Vendor-12/22/2025 |  | Resolved-Received Sept statement. - Due Diligence Vendor-01/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855422 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 09:12 | 2026-01-02 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review- Litigation letter does state insurance provider has sufficient coverage and that the HOA has sufficient assets- litigation is not structural and does not pose and health and safety issues. Condition resolved - Due Diligence Vendor-01/02/2026 <br> Open-The condo project has pending litigation. Letter from attorney's office dated 2.28.2025 (pgs 1295-1296) verifies an active litigation regarding an injury that resulted from xxxxxx. The letter does not provide the amount of the lawsuit or confirm the project's insurance carrier will cover the lawsuit. However, the letter does confirm the insurance provider has sufficient coverage to cover damages for any claimed losses in the litigation; and if the insurance carrier does not cover the lawsuit, the HOA has sufficient assets to cover the loss. The letter states that no additional information regarding the amount of the lawsuit will be provided due to attorney-client privilege. The litigation appears minor in nature as it was not due to issues affecting the overall safety, structural soundness, habitability or functional use of the project. Lender to provide documentation or letter from the insurance representative confirming the lawsuit will be covered by the project's insurance policy. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 |  | Resolved-After further review- Litigation letter does state insurance provider has sufficient coverage and that the HOA has sufficient assets- litigation is not structural and does not pose and health and safety issues. Condition resolved - Due Diligence Vendor-01/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855422 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 13:41 | 2026-01-02 10:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received Sept statement. - Due Diligence Vendor-01/02/2026 <br> Open-For Asset Utilization- Assets must be verified with the most recent three (3) monthly account statements. Currently only the Oct and Nov 2025 statements are in file for xxxxxx. Provide the Sept 2025 statement. Additional conditions may apply, pending review. - Due Diligence Vendor-12/22/2025 |  | Resolved-Received Sept statement. - Due Diligence Vendor-01/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855422 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 11:53 | 2026-01-02 10:34 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required housing verification documentation. - Due Diligence Vendor-01/02/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Brw is currently renting and private VOR was provided - alternative documentation showing the most recent 6-month history (cancelled checks, mortgage/rental statements including payment history, etc.) must be provided. Additional conditions may apply, pending review. - Due Diligence Vendor-12/22/2025 |  | Resolved-Upon further review, the loan file contained all required housing verification documentation. - Due Diligence Vendor-01/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855422 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 11:16 | 2025-12-29 11:01 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor-12/29/2025 <br> Open-Borrower 1 Tax Returns Not Signed Missing signed business tax returns for both of the borrower's businesses. - Due Diligence Vendor-12/22/2025 |  | Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor-12/29/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855422 | xxxxxx D B A | Closed | xxxxxx | 2025-12-22 12:10 | 2025-12-22 15:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo does not meet requirements | Waived-Condo project does not meet minimum insurance requirements; Client exception in file with compensating factors; blanket client waiver for non-material finding is approved. Borrower has separate insurance policy in addition to master policy. - Due Diligence Vendor-02/10/2026 <br> Open-xxxxxx project does not meet minimum insurance requirements; Originator exception in file with compensating factors. - Due Diligence Vendor-02/10/2026 |  | Waived-Condo project does not meet minimum insurance requirements; Client exception in file with compensating factors; blanket client waiver for non-material finding is approved. Borrower has separate insurance policy in addition to master policy. - Due Diligence Vendor-02/10/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 | FICO 803<br> Self-employed for more than 5 years<br> Residual income of $7,060 is more than 1.5x guideline minimum of $2,500<br> Reserves exceed 75 months, 3 months minimum required.<br> DTI 38.47%, 50% max allowed. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 855437 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 855442 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 10:36 | 2026-02-02 11:29 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Rule Flase - Due Diligence Vendor-02/02/2026 <br> Open-The Final SELLER CD/HUD is missing. Final SELLER CD/HUD not seen in file. Additional conditions may apply, pending review. - Due Diligence Vendor-01/28/2026 |  | Resolved-Rule Flase - Due Diligence Vendor-02/02/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 72<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 803 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855474 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855557 | xxxxxx B A | Closed | xxxxxx | 2026-01-21 08:36 | 2026-01-21 09:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/21/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/21/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 855579 | xxxxxx C B A | Closed | xxxxxx | 2026-01-21 15:29 | 2026-01-30 10:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Bank statements, 1003, and 1008. - Due Diligence Vendor-01/30/2026 <br> Open-Audited Reserves of 1.18 month(s) are less than Guideline Required Reserves of 6 month(s) Insuf Assts for Rsrvs - Due Diligence Vendor-01/21/2026 |  | Resolved-Received Bank statements, 1003, and 1008. - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 754 Required is 700 Borrower has 754<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+14k) |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855579 | xxxxxx C B A | Closed | xxxxxx | 2026-01-15 11:30 | 2026-01-15 12:18 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/15/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 754 Required is 700 Borrower has 754<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+14k) |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855603 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855625 | xxxxxx B A | Closed | xxxxxx | 2025-12-31 12:23 | 2025-12-31 12:34 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-12/31/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-12/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 752<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 855631 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 17:15 | 2026-01-23 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-01/23/2026 <br> Counter-Escalation and review confirms. Must have extension for xxxxxx from xxxxxx - Due Diligence Vendor-01/22/2026 <br> Counter-Received Excel note to see attachment with HOA email. No document provided. Please reupload. - Due Diligence Vendor-01/20/2026 <br> Counter-Please provide evidence of xxxxxx Extension by the xxxxxx. - Due Diligence Vendor-01/16/2026 <br> Counter-Please provide a copy of the email from the Board if Directors for review. - Due Diligence Vendor-12/18/2025 <br> Open-The file does not contain the required structural engineer report per state law. Verify if engineering report is required. No report is in the file. - Due Diligence Vendor-12/12/2025 |  | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-01/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 Required is 660 Borrower has 798<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.63 Required is 50 Borrower has 21.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855631 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 16:58 | 2025-12-18 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/18/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Add xxxxxx (Non-borrower) to interested parties. - Due Diligence Vendor-12/12/2025 |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 Required is 660 Borrower has 798<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.63 Required is 50 Borrower has 21.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855636 | xxxxxx D B A | Closed | xxxxxx | 2025-12-31 14:40 | 2026-01-06 17:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Management approval for Fraud Report over 800 received. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-01/03/2026 <br> Open-Third Party Fraud Report Partially Provided Missing manager approval for fraud cert - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. please see attached - Seller-01/03/2026 | Resolved-Received Management approval for Fraud Report over 800 received. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.23 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855636 | xxxxxx D B A | Closed | xxxxxx | 2025-12-31 11:02 | 2025-12-31 11:02 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-12/31/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-12/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.23 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 855637 | xxxxxx D A | Closed | xxxxxx | 2025-12-31 11:59 | 2026-01-27 17:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Updated 1003 provided. - Due Diligence Vendor-01/27/2026 <br> Counter-Please provide an updated 1003 to reflect the primary is going to be retained and remove the other property; housing history was provided. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Payment history was already included in the package.<br> Please see attached - Seller-01/26/2026 <br> Counter-Received confirmation of cancelation of xxxxxx 1003 received reflects xxxxxx retained as investment. Confirm correct current primary residence. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. xxxxxx is cancelled. Attached if proof., Attached is payment history for xxxxxx that was already in the package. - Seller-01/14/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Final 1003 indicated Borr current primary REO xxxxxx (11.67yrs) to be retained as an investment property. New primary REO xxxxxx is a new xxxxxx loan xxxxxx. Unable to verify payment history for xxxxxx and full PITIA for xxxxxx listed on Final 1003, no documentation in file. Per guides xxxxxx 10/15/2025, verification of Mortgage, minimum 1x30 during the past 12 months. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Payment history was already included in the package.<br> Please see attached - Seller-01/26/2026 <br> Ready for Review-Document Uploaded. xxxxxx is cancelled. Attached if proof., Attached is payment history for xxxxxx that was already in the package. - Seller-01/14/2026 | Resolved-Updated 1003 provided. - Due Diligence Vendor-01/27/2026 | Months Reserves exceed minimum required - 45.92mos reserves. Per guides, 6 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855637 | xxxxxx D A | Closed | xxxxxx | 2025-12-31 14:06 | 2026-01-15 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received corrected 1003 for reo xxxxxx. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see attached 1003. It is xxxxxx per mtg stmt. - Seller-01/14/2026 <br> Open-Missing information used for taxes, insurance, and/or HOA for REO xxxxxx. Documentation in file does not reflect total used to qualify on final 1003. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Please see attached 1003. It is xxxxxx per mtg stmt. - Seller-01/14/2026 | Resolved-Received corrected 1003 for reo xxxxxx. - Due Diligence Vendor-01/15/2026 | Months Reserves exceed minimum required - 45.92mos reserves. Per guides, 6 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855637 | xxxxxx D A | Closed | xxxxxx | 2025-12-31 12:24 | 2026-01-15 14:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. please see attached final title policy - Seller-01/14/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title Commitment xxxxxx proposed insured amount xxxxxx, loan amount xxxxxx. Supplement/Escrow Amendment not provided. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. please see attached final title policy - Seller-01/14/2026<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/15/2026 | Months Reserves exceed minimum required - 45.92mos reserves. Per guides, 6 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855637 | xxxxxx D A | Closed | xxxxxx | 2025-12-31 11:59 | 2026-01-14 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-01/12/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-01/12/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-01/14/2026 | Months Reserves exceed minimum required - 45.92mos reserves. Per guides, 6 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855641 | xxxxxx C A | Closed | xxxxxx | 2025-12-15 21:34 | 2025-12-23 06:17 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title provided vested to the borrower only. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-Property Title Issue The prelimimary title report in file reflects title vesting to be held by both borrowers. However, the mortgage in file reflects only B1 having interest in the subject property. Lender to confirm correct vesting with an updated title report. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Final title provided vested to the borrower only. - Due Diligence Vendor-12/23/2025 | Qualifying DTI below maximum allowed - Max DTI is 49.99%, Audit DTI is 26.59%. Required is 49.99 Borrower has 26.59<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Borrowers have 737. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855641 | xxxxxx C A | Closed | xxxxxx | 2025-12-15 21:34 | 2025-12-23 06:16 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final title provided. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Preliminary title report reflects only xxxxxx coverage. Subject loan is xxxxxx. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Final title provided. - Due Diligence Vendor-12/23/2025 | Qualifying DTI below maximum allowed - Max DTI is 49.99%, Audit DTI is 26.59%. Required is 49.99 Borrower has 26.59<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Borrowers have 737. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855657 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 15:08 | 2026-01-20 11:47 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received VVOE for B2 - Due Diligence Vendor-01/20/2026 <br> Counter-Pending receipt of B2's VVOE - Due Diligence Vendor-01/14/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Tax transcripts for B2 and VVOEs for both Brws are currently outstanding. QM status pending. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received VVOE for B2 - Due Diligence Vendor-01/20/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.66 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855657 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 14:55 | 2026-01-20 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B2. - Due Diligence Vendor-01/20/2026 <br> Counter-B1 VVOE provided. Please provide VVOE for B2 - Due Diligence Vendor-01/14/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing VVOE not seen in file. Last paystub is dated 10/31/25 and loan closed xxxxxx. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received VVOE for B2. - Due Diligence Vendor-01/20/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.66 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855657 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 13:19 | 2026-01-20 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Received B2 transcripts. - Due Diligence Vendor-01/14/2026 <br> Open-Borrower 2 IRS Transcripts Missing 2023/2024 W2 transcripts required for B2. Only transcripts for Borrower 1 in file - Due Diligence Vendor-01/07/2026 |  | Resolved-Received B2 transcripts. - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.66 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855657 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 14:55 | 2026-01-20 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE - Due Diligence Vendor-01/14/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE not seen in file. Last paystub is dated 10/31/25 and loan closed xxxxxx. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received VOE - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.66 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855659 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-15 09:24 | 2025-12-30 13:30 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-12/30/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 680. Required is 680 Borrower has 725<br>CLTV is less than guidelines maximum - CLTV of 55.44% is below the maximum of 85% allowed per guidelines. Required is 85 Borrower has 55.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855659 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-19 11:37 | 2025-12-23 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review, property sold. - Due Diligence Vendor-12/23/2025 <br> Open-1003 provided did not include xxxxxx - Due Diligence Vendor-12/19/2025 |  | Resolved-Upon further review, property sold. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 680. Required is 680 Borrower has 725<br>CLTV is less than guidelines maximum - CLTV of 55.44% is below the maximum of 85% allowed per guidelines. Required is 85 Borrower has 55.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855659 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-16 04:03 | 2025-12-23 11:27 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing income documentation. - Due Diligence Vendor-12/23/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income documents. - Due Diligence Vendor-12/17/2025 |  | Resolved-Received missing income documentation. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 680. Required is 680 Borrower has 725<br>CLTV is less than guidelines maximum - CLTV of 55.44% is below the maximum of 85% allowed per guidelines. Required is 85 Borrower has 55.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855659 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-19 11:39 | 2025-12-23 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review property sold. Audited DTI of 44.44% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/23/2025 <br> Open-Audited DTI of 50.01% exceeds Guideline DTI of 50% \*New\* Lender did not include xxxxxx disclosed on Schedule E. - Due Diligence Vendor-12/19/2025 |  | Resolved-Upon further review property sold. Audited DTI of 44.44% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 680. Required is 680 Borrower has 725<br> CLTV is less than guidelines maximum - CLTV of 55.44% is below the maximum of 85% allowed per guidelines. Required is 85 Borrower has 55.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855659 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-19 11:40 | 2025-12-23 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, property sold - Due Diligence Vendor-12/23/2025 <br> Open-Missing PITIA for xxxxxx - Due Diligence Vendor-12/19/2025 |  | Resolved-Upon further review, property sold - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 680. Required is 680 Borrower has 725<br>CLTV is less than guidelines maximum - CLTV of 55.44% is below the maximum of 85% allowed per guidelines. Required is 85 Borrower has 55.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855659 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-15 09:44 | 2025-12-23 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 1040 Schedule E Missing | Resolved-Received 1040 Schedule E - Due Diligence Vendor-12/23/2025 <br> Open-Borrower 1 1040 Schedule E Missing Missing 2022 and 2023 schedule E to verify rental income - Due Diligence Vendor-12/15/2025 |  | Resolved-Received 1040 Schedule E - Due Diligence Vendor-12/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 680. Required is 680 Borrower has 725<br>CLTV is less than guidelines maximum - CLTV of 55.44% is below the maximum of 85% allowed per guidelines. Required is 85 Borrower has 55.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855659 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-15 09:44 | 2025-12-23 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-12/19/2025 <br> Open-Borrower 1 Personal Tax Returns Missing Missing 2022 and 2023 tax returns to verify income. - Due Diligence Vendor-12/15/2025 |  | Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-12/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 680. Required is 680 Borrower has 725<br>CLTV is less than guidelines maximum - CLTV of 55.44% is below the maximum of 85% allowed per guidelines. Required is 85 Borrower has 55.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855659 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-19 11:35 | 2025-12-23 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-Received Business Tax Returns - Due Diligence Vendor-12/23/2025 <br> Open-Borrower 1 Business Tax Returns Missing \*New\* Missing signed Business Tax Returns. Additional Findings may apply once income is calculated. - Due Diligence Vendor-12/19/2025 |  | Resolved-Received Business Tax Returns - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 680. Required is 680 Borrower has 725<br>CLTV is less than guidelines maximum - CLTV of 55.44% is below the maximum of 85% allowed per guidelines. Required is 85 Borrower has 55.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855659 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-11 14:15 | 2025-12-19 11:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-12/19/2025 <br> Open-The Final 1003 is Missing Missing Final 1003 for borrower. - Due Diligence Vendor-12/11/2025 |  | Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 680. Required is 680 Borrower has 725<br>CLTV is less than guidelines maximum - CLTV of 55.44% is below the maximum of 85% allowed per guidelines. Required is 85 Borrower has 55.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855659 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-11 14:29 | 2025-12-11 14:29 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material findings. - Due Diligence Vendor-12/11/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material findings. - Due Diligence Vendor-12/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 680. Required is 680 Borrower has 725<br>CLTV is less than guidelines maximum - CLTV of 55.44% is below the maximum of 85% allowed per guidelines. Required is 85 Borrower has 55.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 855660 | xxxxxx C A | Closed | xxxxxx | 2025-12-11 14:33 | 2025-12-17 13:59 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no further documentation is needed or required. Tolerance cures were on CD. - Due Diligence Vendor-12/17/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. CD xxxxxx and xxxxxx are not signed and there is no evidence of when it was provided to borrower. - Due Diligence Vendor-12/11/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Tolerance cures were on CD. - Due Diligence Vendor-12/17/2025 | CLTV is less than guidelines maximum - Required is 90 Borrower has 84.76<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.43<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855660 | xxxxxx C A | Closed | xxxxxx | 2025-12-11 14:33 | 2025-12-17 13:57 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, no further documentation is needed or required. Tolerance cure is on CD in file. - Due Diligence Vendor-12/17/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($87.00) exceed the comparable charges ($65.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Ten (10%) tolerance fees (Recording fees) increased by $15.50 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $15.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-12/11/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Tolerance cure is on CD in file. - Due Diligence Vendor-12/17/2025 | CLTV is less than guidelines maximum - Required is 90 Borrower has 84.76<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.43<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855660 | xxxxxx C A | Closed | xxxxxx | 2025-12-11 14:33 | 2025-12-17 13:57 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no further documentation is needed or required. COC was in file. - Due Diligence Vendor-12/17/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $906.33.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $906.33 (Origination, Administration Fee, Transfer Tax) without a valid COC in file. Final CD provided a credit of $806.83 for increase in closing costs. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $99.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-12/11/2025 |  | Resolved-Upon further review, no further documentation is needed or required. COC was in file. - Due Diligence Vendor-12/17/2025 | CLTV is less than guidelines maximum - Required is 90 Borrower has 84.76<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.43<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855661 | xxxxxx D A C | Closed | xxxxxx | 2025-12-12 08:10 | 2025-12-30 14:32 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Date Test | Resolved-Upon further review, no further documentation is needed or required. Refund was unrelated to good faith analysis. - Due Diligence Vendor-12/30/2025 <br> Open-This loan failed the reimbursement date test. (12 CFR §1026.19(f)(2)(v))The reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation. ----- The reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date - Due Diligence Vendor-12/12/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Refund was unrelated to good faith analysis. - Due Diligence Vendor-12/30/2025 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 32.36. Required is 50 Borrower has 32.36<br>Months Reserves exceed minimum required - 9 months reserves exceeds 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855661 | xxxxxx D A C | Closed | xxxxxx | 2025-12-12 08:10 | 2025-12-30 14:30 | Resolved | 1 - Information C A | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/30/2025 <br> Open-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v))The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. ----- The post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date - Due Diligence Vendor-12/12/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/30/2025 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 32.36. Required is 50 Borrower has 32.36<br>Months Reserves exceed minimum required - 9 months reserves exceeds 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855661 | xxxxxx D A C | Closed | xxxxxx | 2025-12-11 14:03 | 2025-12-30 09:07 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-----Received page 5 of final CD. Finding Resolved. - Due Diligence Vendor-12/30/2025 <br> Counter----Need a full copy of signed CD dated xxxxxx. The one in the file is missing page 5, time stamped 2:11 pm - Due Diligence Vendor-12/23/2025 <br> Ready for Review------Received PCCD xxxxxx and copy of reimbursement check. Provide complete copy of final CD xxxxxx - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Counter-Received response from client that page 5 is in file on page 6 however, that is the last page of the PCCD xxxxxx. Please provide the entire final CD dated xxxxxx. - Due Diligence Vendor-12/17/2025 <br> Open------Final CD is missing Page 5 including Loan Calculations figures. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-----Received page 5 of final CD. Finding Resolved. - Due Diligence Vendor-12/30/2025 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 32.36. Required is 50 Borrower has 32.36<br>Months Reserves exceed minimum required - 9 months reserves exceeds 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855661 | xxxxxx D A C | Closed | xxxxxx | 2025-12-15 16:08 | 2025-12-19 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax - Due Diligence Vendor-12/19/2025 <br> Open-Missing Evidence of Property Tax Provide acceptable evidence of property tax. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received property tax - Due Diligence Vendor-12/19/2025 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 32.36. Required is 50 Borrower has 32.36<br>Months Reserves exceed minimum required - 9 months reserves exceeds 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855661 | xxxxxx D A C | Closed | xxxxxx | 2025-12-15 17:51 | 2025-12-17 12:59 | Resolved | 1 - Information B A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-The max LTV for an owner-occupied cash-out using the xxxxxx xxxxxx matrix is 80% - Due Diligence Vendor-12/17/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max allowed for credit score is 75%. Score would need to be a 720 to go to 80% and score is 719. Non-material with compensating factors. - Due Diligence Vendor-12/16/2025 |  | Resolved-The max LTV for an owner-occupied cash-out using the xxxxxx xxxxxx matrix is 80% - Due Diligence Vendor-12/17/2025 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 32.36. Required is 50 Borrower has 32.36<br>Months Reserves exceed minimum required - 9 months reserves exceeds 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855662 | xxxxxx C A | Closed | xxxxxx | 2025-12-15 13:55 | 2025-12-29 15:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-The borrower's YTD income was used, which was a more conservative monthly income of $3181.06. - Due Diligence Vendor-12/29/2025 <br> Counter-Client comments - Borrower makes $21 per hour that is NOT the number of hours worked. Per the paystub that was received 7.18.2025 the borrower worked 71.11 hours @ $21 per hour - AUDIT response - Borrower is a new hire and the loan file does not support if the hours used for qualification will continue. Please provide verification if the average weekly average of 32 is not correct. - Due Diligence Vendor-12/29/2025 <br> Counter-Client Comments - loan was not qualified at 40 hrs/wk - the income calculation below from the WVOE which is supported by the paystub uploaded on the other condition. Income was averaged by months worked at this job which was 4.29 months = $3181.06 per month for income which is lower than 40hr/wk @ $21 per hour - AUDIT response - Months worked is not support by the WVOE as borrower is a new hire and the WVOE state $21.00 @ 32 hours per week. - Due Diligence Vendor-12/24/2025 <br> Counter-Received 1008 and income calculation worksheet. Audit income for B1 $2,912. finding remains. - Due Diligence Vendor-12/19/2025 <br> Open-Audited DTI of 42.28% exceeds AUS DTI of 41% Income calc for B1 is based on 40 hours weekly when WVOE shows 32 hours weekly and paystub shows less than 40 hours weekly. - Due Diligence Vendor-12/15/2025 |  | Resolved-The borrower's YTD income was used, which was a more conservative monthly income of $3181.06. - Due Diligence Vendor-12/29/2025 | Credit history exceeds minimum required - Credit history exceeds 7 years. Required is 4 years.<br>Months Reserves exceed minimum required - Required is 0 and borrower has over 8 months of reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855662 | xxxxxx C A | Closed | xxxxxx | 2025-12-15 12:32 | 2025-12-29 15:55 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-The borrower's YTD income was used, which was a more conservative monthly income of $3181.06. - Due Diligence Vendor-12/29/2025 <br> Counter-Client comments - Borrower makes $21 per hour that is NOT the number of hours worked. Per the paystub that was received 7.18.2025 the borrower worked 71.11 hours @ $21 per hour - AUDIT response - Borrower is a new hire and the loan file does not support if the hours used for qualification will continue. Please provide verification if the average weekly average of 32 is not correct. - Due Diligence Vendor-12/29/2025 <br> Counter-Client Comments - loan was not qualified at 40 hrs/wk - the income calculation below from the WVOE which is supported by the paystub uploaded on the other condition. Income was averaged by months worked at this job which was 4.29 months = $3181.06 per month for income which is lower than 40hr/wk @ $21 per hour - AUDIT response - Months worked is not support by the WVOE as borrower is a new hire and the WVOE state $21.00 @ 32 hours per week. - Due Diligence Vendor-12/24/2025 <br> Counter-Received income calculation worksheet. B1 ytd is not supported by WVOE nor pay statements. Borrowers is 21 hours $2,912 monthly. YTD is not reflective of continuing income as includes training. Audit is considering B1 income $2,912 monthly. - Due Diligence Vendor-12/19/2025 <br> Open-Income and Employment Do Not Meet Guidelines B1 and B2 both appear to have variable income and breakdown was not provided to support use of the income. - Due Diligence Vendor-12/15/2025 |  | Resolved-The borrower's YTD income was used, which was a more conservative monthly income of $3181.06. - Due Diligence Vendor-12/29/2025 | Credit history exceeds minimum required - Credit history exceeds 7 years. Required is 4 years.<br>Months Reserves exceed minimum required - Required is 0 and borrower has over 8 months of reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855662 | xxxxxx C A | Closed | xxxxxx | 2025-12-15 11:05 | 2025-12-24 10:31 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value used for qualification supported. - Due Diligence Vendor-12/24/2025 <br> Open-Loan contains a PIW. Secondary valuation required to support the value used on the AUS. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received BPO. Value used for qualification supported. - Due Diligence Vendor-12/24/2025 | Credit history exceeds minimum required - Credit history exceeds 7 years. Required is 4 years.<br>Months Reserves exceed minimum required - Required is 0 and borrower has over 8 months of reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855664 | xxxxxx C B A | Closed | xxxxxx | 2025-12-18 14:33 | 2025-12-31 09:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-The loan file contains the borrower's previous WVOE confirming a stable history of overtime. The borrower is in the same line of work as his prior job, receives higher base pay at the new job and the YTD paystub confirms the borrower is making more in overtime than at the last employer. Averaged overtime utilizing 2022, 2023 and 2024 from the current and prior WVOE's. The DTI is now 56.41% with residual income of $2,293.70, which meets the guideline requirements. - Due Diligence Vendor-12/31/2025 <br> Counter-Client comments-As this loan closed in xxxxxx I cannot re-run AUS From the income documentation in the file, it appears that xxxxxx utilized the base pay + average monthly OT income of $695.96 based on a 3-year average from the WVOE's. Audited DTI exceed AUS. Finding remains. <br>- Due Diligence Vendor-12/30/2025 <br> Counter-Client comments - I'm unsure as to why xxxxxx didn't include the lease in their revised DTI Calculation of 54.45%. If we take the income that xxxxxx utilized @ $5,203.08, subject housing of $2,775 and other obligations $193 (we qualified them with the entire lease payment per the transmittal summary) then DTI = 57.04%. Borrower has 3+ years of earning OT income that should be included in average income used for qualification - AUDIT Response - Please provide the income calculation and updated AUS. - Due Diligence Vendor-12/23/2025 <br> Open-Audited DTI of 65.86% exceeds AUS DTI of 42.81% B2 is not employed. Using B1 income only of 4506.67 and monthly debts of 193.00, DTI is 65.86%. Residual income is 1538.47.OT was not utilized as borrower just started job and file does not contain any history of OT. - Due Diligence Vendor-12/18/2025 |  | Resolved-The loan file contains the borrower's previous WVOE confirming a stable history of overtime. The borrower is in the same line of work as his prior job, receives higher base pay at the new job and the YTD paystub confirms the borrower is making more in overtime than at the last employer. Averaged overtime utilizing 2022, 2023 and 2024 from the current and prior WVOE's. The DTI is now 56.41% with residual income of $2,293.70, which meets the guideline requirements. - Due Diligence Vendor-12/31/2025 | Months Reserves exceed minimum required - 2.71 Months Reserves exceed 0 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855664 | xxxxxx C B A | Closed | xxxxxx | 2025-12-11 15:08 | 2025-12-17 14:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no further documentation is needed or required. Tolerance increase was due to rounding. - Due Diligence Vendor-12/17/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.25.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 to rounding. - Due Diligence Vendor-12/11/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Tolerance increase was due to rounding. - Due Diligence Vendor-12/17/2025 | Months Reserves exceed minimum required - 2.71 Months Reserves exceed 0 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855664 | xxxxxx C B A | Closed | xxxxxx | 2025-12-11 13:42 | 2025-12-12 08:47 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-12/11/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-12/11/2025 | Months Reserves exceed minimum required - 2.71 Months Reserves exceed 0 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 855675 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-05 12:03 | 2026-01-08 17:09 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-01/08/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending compliance docs. - Due Diligence Vendor-01/05/2026 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-01/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 771 Required is 660 Borrower has 771<br>LTV is less than guideline maximum - Required is 80 Borrower has 57.52 Required is 80 Borrower has 57.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855675 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-02 11:44 | 2026-01-08 07:46 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/08/2026 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-01/02/2026 |  | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 771 Required is 660 Borrower has 771<br>LTV is less than guideline maximum - Required is 80 Borrower has 57.52 Required is 80 Borrower has 57.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855675 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-05 08:34 | 2026-01-07 13:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/07/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). coverage ampount: xxxxxx. Loan amount xxxxxx - Due Diligence Vendor-01/05/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 771 Required is 660 Borrower has 771<br>LTV is less than guideline maximum - Required is 80 Borrower has 57.52 Required is 80 Borrower has 57.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855675 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-05 09:14 | 2026-01-07 13:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh for both borrowers. - Due Diligence Vendor-01/07/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 1 and 2 Gap Credit Report is Missing - Due Diligence Vendor-01/05/2026 |  | Resolved-Received credit refresh for both borrowers. - Due Diligence Vendor-01/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 771 Required is 660 Borrower has 771<br>LTV is less than guideline maximum - Required is 80 Borrower has 57.52 Required is 80 Borrower has 57.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855675 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-02 11:10 | 2026-01-02 11:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 771 Required is 660 Borrower has 771<br>LTV is less than guideline maximum - Required is 80 Borrower has 57.52 Required is 80 Borrower has 57.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 855720 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 07:58 | 2026-01-16 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-01/16/2026 <br> Counter-Document was not attached/uploaded. - Due Diligence Vendor-01/14/2026 <br> Open-Missing Third Party Fraud Report. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received fraud report. - Due Diligence Vendor-01/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 797. Required is 660 Borrower has 797<br>LTV is less than guideline maximum - Required is 90. Borrower has 80. Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 36.53. Required is 50 Borrower has 36.53 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855736 | xxxxxx D B A | Closed | xxxxxx | 2026-01-07 18:58 | 2026-01-14 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Document Uploaded. October statement provided. - Due Diligence Vendor-01/14/2026 <br> Counter-Client comment - Oct 2025 business bank statement has all pages. Please re-review. - AUDIT Response. Page 1 of the October statements is missing and page 2 is not complete/Legible. Please provide a legible copy of the October 2025 Statement. - Due Diligence Vendor-01/14/2026 <br> Counter-Review did not receive all pages for Oct 2025 business bank statement. Provide complete Oct 2025 statement for review and completion of income calculation. - Due Diligence Vendor-01/13/2026 <br> Open-Page 1 of the Oct 2025 bank statement for account ending in 5969 is missing applicable data with which to calculate income. When received additional conditions may apply. For now the October info entered into the worksheet mirrors the lender's worksheet input. - Due Diligence Vendor-01/07/2026 |  | Resolved-Document Uploaded. October statement provided. - Due Diligence Vendor-01/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.71 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855736 | xxxxxx D B A | Closed | xxxxxx | 2026-01-05 19:46 | 2026-01-05 19:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material finding. - Due Diligence Vendor-01/06/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material finding. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.71 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 855758 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 20:16 | 2026-01-27 17:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted to allow reserves of 0.11 month(s) are less than Guideline Required Reserves of 6 month(s). Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/27/2026 <br> Counter-Although the large source of deposits are not required to be documented; the source was documented and the deposit came from a non-borrower account. Please provide a gift letter. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-From Client: please reconsider the source of funds condition for this one as seller guidelines clearly state source of funds are not required. - Due Diligence Vendor-01/23/2026 <br> Counter-Received rebuttal note regarding large deposit. Review is unable to confirm source of funds. Finding remains - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/21/2026 <br> Counter-Please provide documentation to support fund were not Gift Funds. - Due Diligence Vendor-01/20/2026 <br> Open-Audited Reserves of 0.11 month(s) are less than Guideline Required Reserves of 6 month(s) - Provide documentation or a month statement to support 6 months reserves requirement. <br> - Funds to close $100,000 transferred to escrow on 12/15/2025. However, $98000 was transferred from non-borrower owned account to support transfer of $100,000. Provide documentation to support $98000 are not gift funds. - Due Diligence Vendor-01/07/2026 |  | Waived-Client exception granted to allow reserves of 0.11 month(s) are less than Guideline Required Reserves of 6 month(s). Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/27/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income 13,234.13 =/> 1.5 times $3,500 monthly residual income | Residual income more than 2.5x the amount required by guidelines <br> Employed at same job > 2 years | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 855758 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 20:32 | 2026-01-26 13:27 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-LOX and employment contract provided. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/21/2026 <br> Counter-Received LOX indicating xxxxxx is the single agent representing multiple employers. Missing Agent representation agreements and disclosures. - Due Diligence Vendor-01/20/2026 <br> Open-Income and Employment Do Not Meet Guidelines (1) Employer name on 1003 and WVOE does not match petitioner on form I-797. Provide clarification on Borrower current position and employer.<br> (2) Per guides require Written VOE (xxxxxx Form 1005) completed by the employer. WVOE in file support qualifying income but does not meet guideline as does not reflect form xxxxxx Form 1005. <br> (3) Also, 1003 and WVOE indicate Borrower position professional film producer. Business search in file indicate business is urgent care. Provide clarification Borrower is not self employed and current position.<br>- Due Diligence Vendor-01/07/2026 |  | Resolved-LOX and employment contract provided. - Due Diligence Vendor-01/26/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income 13,234.13 =/> 1.5 times $3,500 monthly residual income |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855788 | xxxxxx D B A | Closed | xxxxxx | 2026-01-08 13:35 | 2026-01-21 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved-Asset was removed as not needed or required - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/16/2026 <br> Counter-1003 provided, it does not list the Gift Funds, however without gift funds the borrower will be short to close. - Due Diligence Vendor-01/14/2026 <br> Open-Asset 1 Missing Missing Gift Funds of $5,000.00 per 1003. Provide Gift letter and proof of deposit. - Due Diligence Vendor-01/08/2026 |  | Resolved-Asset was removed as not needed or required - Due Diligence Vendor-01/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 708 Required is 660 Borrower has 708<br>Qualifying DTI below maximum allowed - DTI below max allowable Required is 50 Borrower has 41.96 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855788 | xxxxxx D B A | Closed | xxxxxx | 2026-01-06 17:54 | 2026-01-07 14:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/06/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 708 Required is 660 Borrower has 708<br>Qualifying DTI below maximum allowed - DTI below max allowable Required is 50 Borrower has 41.96 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855788 | xxxxxx D B A | Closed | xxxxxx | 2026-01-06 17:38 | 2026-01-07 14:13 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/06/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 708 Required is 660 Borrower has 708<br>Qualifying DTI below maximum allowed - DTI below max allowable Required is 50 Borrower has 41.96 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855790 | xxxxxx D A | Closed | xxxxxx | 2025-12-31 15:36 | 2026-02-10 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Received 1004D. Value increased. - Due Diligence Vendor-01/12/2026 <br> Open-Primary Value Appraisal is Expired Appraisal is good for 120 days per guidelines and was 124 days old at time of closing (Appraisal date is xxxxxx and Note Date xxxxxx) - Due Diligence Vendor-12/31/2025 |  | Resolved-Received 1004D. Value increased. - Due Diligence Vendor-01/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729 Required is 660 Borrower has 729<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.19 Required is 50 Borrower has 41.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855790 | xxxxxx D A | Closed | xxxxxx | 2025-12-31 15:18 | 2026-01-12 11:31 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-01/12/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A Legal Description. - Due Diligence Vendor-12/31/2025 |  | Resolved-Received DOT w/Legal. - Due Diligence Vendor-01/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729 Required is 660 Borrower has 729<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.19 Required is 50 Borrower has 41.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855794 | xxxxxx C A | Closed | xxxxxx | 2025-12-30 14:54 | 2026-01-14 07:44 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/14/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($7,105.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($8,208.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $8,208.00 to $7,105.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,103.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-12/30/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/14/2026 | Long term residence - Borrower at primary residence for 3 years and 10 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855795 | xxxxxx D B A | Closed | xxxxxx | 2026-01-13 19:15 | 2026-01-29 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received LOE and credit refresh. - Due Diligence Vendor-01/29/2026 <br> Counter-Received Gap report reflecting Inquired dated 11/11/25 after initial credit report of 10/27/25. Missing lox for new inquiries noted. - Due Diligence Vendor-01/21/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap credit for borrower. - Due Diligence Vendor-01/14/2026 |  | Resolved-Received LOE and credit refresh. - Due Diligence Vendor-01/29/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.42 Required is 50 Borrower has 31.42<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Required is 660 Borrower has 759 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855795 | xxxxxx D B A | Closed | xxxxxx | 2026-01-14 12:08 | 2026-01-20 11:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment History - Due Diligence Vendor-01/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing total 12 month housing history. Borrower has only owned property since xxxxxx - Due Diligence Vendor-01/14/2026 |  | Resolved-Received payment History - Due Diligence Vendor-01/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.42 Required is 50 Borrower has 31.42<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Required is 660 Borrower has 759 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855795 | xxxxxx D B A | Closed | xxxxxx | 2026-01-10 20:58 | 2026-01-12 11:21 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/11/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.42 Required is 50 Borrower has 31.42<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Required is 660 Borrower has 759 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 855797 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855807 | xxxxxx C A | Closed | xxxxxx | 2026-01-07 15:53 | 2026-01-16 13:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Two receipts with wires were provided totaling $115,000. - Due Diligence Vendor-01/16/2026 <br> Counter-Missing evidence of receipt of $115,000 gift to title agent/closer. - Due Diligence Vendor-01/13/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Missing Gift Ltr & Rcpt for additional 95k listed on final 1003. - Due Diligence Vendor-01/07/2026 |  | Resolved-Two receipts with wires were provided totaling $115,000. - Due Diligence Vendor-01/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 718 Required is 660 Borrower has 718<br>Qualifying DTI below maximum allowed - DTI below max allowable Required is 50 Borrower has 35.69 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855807 | xxxxxx C A | Closed | xxxxxx | 2026-01-07 15:44 | 2026-01-16 13:16 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Two receipt totaling $115,000 were provided with wires. - Due Diligence Vendor-01/16/2026 <br> Counter-Received PCCD and 95k gift documentation. Missing evidence of receipt of $115,000 gift to title agent/closer. - Due Diligence Vendor-01/16/2026 <br> Counter-Missing evidence of receipt of $115,000 gift to title agent/closer. - Due Diligence Vendor-01/13/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-52359.79'. Assets are Insufficient. Missing Gift Ltr & Rcpt for additional 95k listed on final 1003. - Due Diligence Vendor-01/07/2026 |  | Resolved-Two receipt totaling $115,000 were provided with wires. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 718 Required is 660 Borrower has 718<br>Qualifying DTI below maximum allowed - DTI below max allowable Required is 50 Borrower has 35.69 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855807 | xxxxxx C A | Closed | xxxxxx | 2026-01-07 15:26 | 2026-01-13 11:14 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date. - Due Diligence Vendor-01/13/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx No additional HOI docs with different effective date provided (not w/in disb date) - Due Diligence Vendor-01/07/2026 |  | Resolved-Received PCCD confirming disbursement date. - Due Diligence Vendor-01/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 718 Required is 660 Borrower has 718<br>Qualifying DTI below maximum allowed - DTI below max allowable Required is 50 Borrower has 35.69 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855812 | xxxxxx C A | Closed | xxxxxx | 2026-01-07 07:24 | 2026-01-27 12:18 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Seller information is missing or inaccurate | Resolved--Documentation received. - Due Diligence Vendor-01/27/2026 <br> Open-The CD does not reflect the mortgage payoff. - Due Diligence Vendor-01/07/2026 |  | Resolved--Documentation received. - Due Diligence Vendor-01/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 810<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855812 | xxxxxx C A | Closed | xxxxxx | 2026-01-14 09:39 | 2026-01-22 15:43 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller cd. - Due Diligence Vendor-01/22/2026 <br> Open-The Final SELLER CD/HUD is missing. Client comments - This is a purchase transaction and the borrower does not have a mortgage to pay off. Could you please clarify which mortgage payoff you are referring to for this file? xxxxxx. - AUDIT Response - Please provide the Final Seller CD. <br> - Due Diligence Vendor-01/14/2026 |  | Resolved-Received seller cd. - Due Diligence Vendor-01/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 810<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855812 | xxxxxx C A | Closed | xxxxxx | 2026-01-07 08:41 | 2026-01-22 15:42 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received amended escrow instructions confirming no RE Agent. Seller CD confirms no RE Agent. - Due Diligence Vendor-01/22/2026 <br> Counter-Per Amended Escrow instructions, the Seller added a Real Estate Agent. Please provide the contract between the Seller and Agent and the Seller CD for further review. Additional findings may apply. - Due Diligence Vendor-01/16/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Fully executed Residential Purchase Agreement and all counter offer/addendum required. Lender to provide a copy of the "purchase agreement and supplemental instructions, general provisions & acceptance of escrow' that was initialed and executed by both buyer and seller. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received amended escrow instructions confirming no RE Agent. Seller CD confirms no RE Agent. - Due Diligence Vendor-01/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 810<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855813 | xxxxxx C A | Closed | xxxxxx | 2025-12-30 14:08 | 2025-12-30 17:42 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-After further review, there i no max investor concentration in the guides under condotels. - Due Diligence Vendor-12/30/2025 <br> Open-Per appraisal breakdown, 76% investor concentration exceeds the 75% max allowed. - Due Diligence Vendor-12/30/2025 |  | Resolved-After further review, there i no max investor concentration in the guides under condotels. - Due Diligence Vendor-12/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 793<br>Qualifying DTI below maximum allowed - Required is 85 Borrower has 28.35 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855813 | xxxxxx C A | Closed | xxxxxx | 2025-12-30 08:50 | 2025-12-30 14:35 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Per HOA the project insurance is handling the case and has xxxxxx in liability coverage to meet the potential damages. - Due Diligence Vendor-12/30/2025 <br> Open-The condo project has pending litigation. Condo has pending litigation. Litigation docs confirm pending litigation for former contract employee slip and fall accident for xxxxxx, being fought by insurance company with has liability insurance sufficient to cover. - Due Diligence Vendor-12/30/2025 |  | Resolved-Per HOA the project insurance is handling the case and has xxxxxx in liability coverage to meet the potential damages. - Due Diligence Vendor-12/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 793<br>Qualifying DTI below maximum allowed - Required is 85 Borrower has 28.35 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856093 | xxxxxx C A | Closed | xxxxxx | 2026-01-02 09:20 | 2026-01-07 12:56 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received correct HOI policy. - Due Diligence Vendor-01/07/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Hazard effective date xxxxxx-funded xxxxxx - Due Diligence Vendor-01/02/2026 |  | Resolved-Received correct HOI policy. - Due Diligence Vendor-01/07/2026 | Months Reserves exceed minimum required - required 6 months \| borrower has 15 months<br>Verified employment history exceeds guidelines - 9+ years same business owned |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856093 | xxxxxx C A | Closed | xxxxxx | 2026-01-02 10:03 | 2026-01-07 12:54 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller CD. - Due Diligence Vendor-01/07/2026 <br> Open-The Final SELLER CD/HUD is missing. Needed to confirm proceeds we distributed correctly. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received final seller CD. - Due Diligence Vendor-01/07/2026 | Months Reserves exceed minimum required - required 6 months \| borrower has 15 months<br>Verified employment history exceeds guidelines - 9+ years same business owned |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856099 | xxxxxx C A | Closed | xxxxxx | 2026-01-14 15:40 | 2026-01-20 10:55 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Upon further review, 2 months receipt is not required. - Due Diligence Vendor-01/20/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing 2 months of proof of the receipt of rental income for subject. Required per guides - Due Diligence Vendor-01/15/2026 |  | Resolved-Upon further review, 2 months receipt is not required. - Due Diligence Vendor-01/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.24 Required is 50 Borrower has 33.24<br>CLTV is less than guidelines maximum - Required is 70 Borrower has 63.53 Required is 70 Borrower has 63.53 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856099 | xxxxxx C A | Closed | xxxxxx | 2026-01-14 15:16 | 2026-01-20 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained the payment history for subjects 2nd lien. - Due Diligence Vendor-01/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOM for 2nd lien subject property. - Due Diligence Vendor-01/15/2026 |  | Resolved-Upon further review, the loan file contained the payment history for subjects 2nd lien. - Due Diligence Vendor-01/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.24 Required is 50 Borrower has 33.24<br>CLTV is less than guidelines maximum - Required is 70 Borrower has 63.53 Required is 70 Borrower has 63.53 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856100 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 12:35 | 2026-01-13 10:32 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE - Due Diligence Vendor-01/13/2026 <br> Open-LOX for credit inquiries is missing. Provide letter of explanation for credit inquiries. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received credit inquiry LOE - Due Diligence Vendor-01/13/2026 | Months Reserves exceed minimum required - Guidelines require 6 months reserves. Borrower has 26.57 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 718. Required is 680 Borrower has 718 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856104 | xxxxxx B A | Closed | xxxxxx | 2025-12-31 13:13 | 2026-01-02 09:04 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-12/31/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-12/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 793 Required is 680 Borrower has 793<br>Qualifying DTI below maximum allowed - DTI well below max allowable Required is 50 Borrower has 32.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 856105 | xxxxxx D A C | Closed | xxxxxx | 2026-01-05 21:40 | 2026-01-20 11:31 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Federal debt or other loan, mortgage, or financial obligation according to the 1003 Declaration | Resolved-Received 1003 and LOE from the Borrower. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. Condition came back with no notes. Appears notes or doc didn't transfer over to the TPR site. I uploaded it to the TPR's site with notes. <br>- Buyer-01/16/2026 <br> Counter-Received 1003 removing acknowledgment of outstanding Federal debt. Provide signed statement from borrower acknowledging error. Finding remains. - Due Diligence Vendor-01/09/2026 <br> Open-Delinquent Federal debt or other loan, mortgage, or financial obligation according to the 1003 Declaration. Per application the borrower is currently delinquent on a federal debt. Nothing present on credit or title. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received 1003 and LOE from the Borrower. - Due Diligence Vendor-01/20/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 69.29 Required is 80 Borrower has 69.29<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.92 Required is 50 Borrower has 14.92<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 706 Required is 640 Borrower has 706 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856105 | xxxxxx D A C | Closed | xxxxxx | 2026-01-07 17:03 | 2026-01-09 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Lender income worksheet. - Due Diligence Vendor-01/09/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-01/07/2026 |  | Resolved-Received Lender income worksheet. - Due Diligence Vendor-01/09/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 69.29 Required is 80 Borrower has 69.29<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.92 Required is 50 Borrower has 14.92<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 706 Required is 640 Borrower has 706 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856105 | xxxxxx D A C | Closed | xxxxxx | 2026-01-05 22:43 | 2026-01-09 07:45 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-----Received documentation of receipt of LE. Finding Resolved. - Due Diligence Vendor-01/09/2026 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. -----Le xxxxxx is not signed and there is no evidence of receipt by borrower in file. Please provide evidence that Le xxxxxx was acknowledged by borrower on prior to receipt of initial CD xxxxxx - Due Diligence Vendor-01/06/2026 |  | Resolved-----Received documentation of receipt of LE. Finding Resolved. - Due Diligence Vendor-01/09/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 69.29 Required is 80 Borrower has 69.29<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.92 Required is 50 Borrower has 14.92<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 706 Required is 640 Borrower has 706 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856136 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856234 | xxxxxx D B A | Closed | xxxxxx | 2026-01-07 09:35 | 2026-01-09 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Lender income worksheet - Due Diligence Vendor-01/09/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing File does not contain lender income worksheet. Missing xxxxxx bank statement income tool. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received Lender income worksheet - Due Diligence Vendor-01/09/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.29 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856234 | xxxxxx D B A | Closed | xxxxxx | 2026-01-05 18:00 | 2026-01-06 08:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Attorney Preference Letter | Waived-Right To Choose Attorney or Attorney Preference Not In File Client waiver applied to non-material Findings. - Due Diligence Vendor-01/05/2026 |  | Waived-Right To Choose Attorney or Attorney Preference Not In File Client waiver applied to non-material Findings. - Due Diligence Vendor-01/05/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.29 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 856240 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856342 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856343 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856352 | xxxxxx D B A | Closed | xxxxxx | 2026-01-08 10:30 | 2026-01-15 10:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator provided a waiver Borrower living in subject owned by family , applied to non material finding with comp factors - Due Diligence Vendor-01/15/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Note: borrower did not live with relative, just lived in relative's house:<br> Non-arm's length, borrower had been living at subject for the last year, subject owned by family. Renter(s) purchasing from the landlord are required to have 12 months of cancelled checks to prove timely payments.<br> FTHB - Inst VOR or 12 months canceled checks unless living rent free with a relative. - Due Diligence Vendor-01/08/2026 |  | Waived-Originator provided a waiver Borrower living in subject owned by family , applied to non material finding with comp factors - Due Diligence Vendor-01/15/2026 | LTV is less than guideline maximum - Maximum LTV allowed is 80% - actual LTV is 62.79%. Required is 80 Borrower has 62.79<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 43.43%. Required is 50 Borrower has 43.46 | 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Self-employed for > 5 years / Compensating Factor 3 - Credit Score 10 points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 856352 | xxxxxx D B A | Closed | xxxxxx | 2026-01-08 09:34 | 2026-01-14 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-After further review, the HOI policy is acceptable and the dwelling coverage of xxxxxx. - Due Diligence Vendor-01/14/2026 <br> Counter-Please provide the Amount of Replacement Coverage from the Insurer. - Due Diligence Vendor-01/12/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided HOI dwelling coverage is $0. Per Master policy notes HOA does not cover walls-in. - Due Diligence Vendor-01/08/2026 |  | Resolved-After further review, the HOI policy is acceptable and the dwelling coverage of xxxxxx. - Due Diligence Vendor-01/14/2026 | LTV is less than guideline maximum - Maximum LTV allowed is 80% - actual LTV is 62.79%. Required is 80 Borrower has 62.79<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 43.43%. Required is 50 Borrower has 43.46 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856358 | xxxxxx D B C A | Closed | xxxxxx | 2025-12-23 08:31 | 2026-01-12 10:46 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Client provided a waiver for missing Gap Report, applied to non material finding with comp factors - Due Diligence Vendor-01/12/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Residual income more than 2.5x the amount required by guidelines - Buyer-01/09/2026 <br> Counter-Screen shot of the UDM Batch Job executed provided. Please provide the full UDM report. - Due Diligence Vendor-01/02/2026 <br> Open-Borrower 1 Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio. - Due Diligence Vendor-12/23/2025 |  | Waived-Client provided a waiver for missing Gap Report, applied to non material finding with comp factors - Due Diligence Vendor-01/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 742. Required is 680 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 39.94. Required is 50 Borrower has 39.94 | Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 856358 | xxxxxx D B C A | Closed | xxxxxx | 2025-12-19 13:51 | 2026-01-02 07:32 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-01/02/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $430.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $430.00 (Discount Points and Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $430.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-12/19/2025 |  | Resolved-----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-01/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 742. Required is 680 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 39.94. Required is 50 Borrower has 39.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856365 | xxxxxx C B A | Closed | xxxxxx | 2025-12-19 11:14 | 2026-01-05 16:42 | Resolved | 1 - Information A | Credit | Eligibility | Purchase price is higher than the Primary Value | Resolved-Received LOX for purchase price. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/01/2026 <br> Counter-Provide LOE as purchase price is 120% above market opinion of value. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-The Appraised Value is a figure based solely on the appraisal report, whereas the Purchase Price was determined through a mutual agreement between the Seller and the Buyer. Furthermore, per the Appraisal Report and Section 5 of the 1003, there is no relationship between the buyer and the seller, confirming this is an arm's length transaction. - Seller-12/22/2025 <br> Open-Purchase price is higher than the Primary Value Purchase price is xxxxxx and the Primary Value is xxxxxx, provide explanation why purchasing property xxxxxx more than appraised value, additional findings may apply. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. - Seller-01/01/2026 <br> Ready for Review-The Appraised Value is a figure based solely on the appraisal report, whereas the Purchase Price was determined through a mutual agreement between the Seller and the Buyer. Furthermore, per the Appraisal Report and Section 5 of the 1003, there is no relationship between the buyer and the seller, confirming this is an arm's length transaction. - Seller-12/22/2025 | Resolved-Received LOX for purchase price. - Due Diligence Vendor-01/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 660 Borrower has 755 Required is 660 Borrower has 755<br>Qualifying DTI below maximum allowed - DTI maximum is 49.99 Borrower has 11.82 Required is 49.99 Borrower has 11.82 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856365 | xxxxxx C B A | Closed | xxxxxx | 2025-12-19 11:35 | 2025-12-29 16:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Counter-Please provide RCE to confirm sufficient coverage. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Regarding the insurance coverage, the Dwelling Coverage of xxxxxx exceeds the Reconstruction Cost of xxxxxx. Therefore, the current coverage is sufficient to protect the property value. - Seller-12/22/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Insufficient Coverage Amount for Insured Subject Property, as well as explanation why Insurance page indicates Fair Rent when this transaction is an owner occupied transaction. Additional findings may apply. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Ready for Review-Regarding the insurance coverage, the Dwelling Coverage of xxxxxx exceeds the Reconstruction Cost of xxxxxx. Therefore, the current coverage is sufficient to protect the property value. - Seller-12/22/2025 | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-12/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 660 Borrower has 755 Required is 660 Borrower has 755<br>Qualifying DTI below maximum allowed - DTI maximum is 49.99 Borrower has 11.82 Required is 49.99 Borrower has 11.82 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856365 | xxxxxx C B A | Closed | xxxxxx | 2025-12-19 12:00 | 2025-12-23 16:27 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Received property profile confirming borrower not owner. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Borrower is no longer the owner of xxxxxx xxxxxx xxxxxx. - Seller-12/22/2025 <br> Open-Potential Fraud Reflected on Fraud Report Fraud report and initial 1003/URLA indicates borrower owns xxxxxx xxxxxx xxxxxx, provide Documentation that borrower no longer owns or add PITIA to loan. Initial 1003 also indicates borrower will not occupy subject property, provide acceptable explanation for occupancy, additional findings may apply. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Borrower is no longer the owner of xxxxxx xxxxxx xxxxxx - Seller-12/22/2025 | Resolved-Received property profile confirming borrower not owner. - Due Diligence Vendor-12/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 660 Borrower has 755 Required is 660 Borrower has 755<br>Qualifying DTI below maximum allowed - DTI maximum is 49.99 Borrower has 11.82 Required is 49.99 Borrower has 11.82 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856365 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 07:10 | 2025-12-16 07:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied for Non-Material findings - Due Diligence Vendor-12/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied for Non-Material findings - Due Diligence Vendor-12/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 660 Borrower has 755 Required is 660 Borrower has 755<br>Qualifying DTI below maximum allowed - DTI maximum is 49.99 Borrower has 11.82 Required is 49.99 Borrower has 11.82 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 856371 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 08:49 | 2026-01-26 11:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received 1120s. Company noted is company previously disclosed xxxxxx. - Due Diligence Vendor-01/26/2026 <br> Open-Income and Employment Do Not Meet Guidelines Page 1 of an 1120's signed by the borrower reflects a loss for a 2nd company, no other documents or complete returns found for this business. - Due Diligence Vendor-01/21/2026 |  | Resolved-Received 1120s. Company noted is company previously disclosed xxxxxx. - Due Diligence Vendor-01/26/2026 | Months Reserves exceed minimum required - 5.48 Months Reserves exceed 3 month minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766 Required is 680 Borrower has 766 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856371 | xxxxxx C A | Closed | xxxxxx | 2026-01-14 12:22 | 2026-01-26 11:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-01/26/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-01/21/2026 |  | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-01/26/2026 | Months Reserves exceed minimum required - 5.48 Months Reserves exceed 3 month minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766 Required is 680 Borrower has 766 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856377 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856383 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 16:36 | 2026-01-23 12:36 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Property Report. Cousin is the owner. - Due Diligence Vendor-01/23/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borrower has been living rent free for last 2 years at xxxxxx. LOE from cousin is in file but Risk Assessment shows the owner of this property as someone else not the cousin. Provide copy of Lease from cousin to support borrower is not obligated on rental agreement. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received Property Report. Cousin is the owner. - Due Diligence Vendor-01/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856383 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 12:26 | 2026-01-23 12:35 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Property Report. Cousin is the owner. - Due Diligence Vendor-01/23/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower has been living rent free for last 2 years at xxxxxx. LOE from cousin is in file but Risk Assessment shows the owner of this property as someone else not the cousin. Provide copy of Lease from cousin to support borrower is not obligated on rental agreement. <br>- Due Diligence Vendor-01/20/2026 |  | Resolved-Received Property Report. Cousin is the owner. - Due Diligence Vendor-01/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856384 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856407 | xxxxxx C B A | Closed | xxxxxx | 2026-01-07 13:54 | 2026-01-16 10:44 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD - Due Diligence Vendor-01/16/2026 <br> Open-The Final SELLER CD/HUD is missing. CD Not found in file - Due Diligence Vendor-01/07/2026 |  | Resolved-Received Seller CD - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810 Required is 660 Borrower has 810<br>LTV is less than guideline maximum - Required is 90 Borrower has 75 Required is 90 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 28.65 Required is 45 Borrower has 28.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856407 | xxxxxx C B A | Closed | xxxxxx | 2026-01-05 18:17 | 2026-01-13 08:36 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/05/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810 Required is 660 Borrower has 810<br>LTV is less than guideline maximum - Required is 90 Borrower has 75 Required is 90 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 28.65 Required is 45 Borrower has 28.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 856414 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 19:08 | 2026-02-10 19:08 | Waived | 1 - Information B | Property | Appraisal | Secondary Valuation Tolerance Issue | Waived-File contains 2 secondary valuation product. First product was outside of -10% tolerance and superior secondary product supports value with zero variance. Waiver applied to non-material finding. - Due Diligence Vendor-02/11/2026 |  | Waived-File contains 2 secondary valuation product. First product was outside of -10% tolerance and superior secondary product supports value with zero variance. Waiver applied to non-material finding. - Due Diligence Vendor-02/11/2026 | CLTV is less than guidelines maximum - Max CLTV is 90% - Borrower has 71.06%. Required is 90 Borrower has 71.06<br>Qualifying DTI below maximum allowed - Max DTI is 50% - Borrower has 41.56%. Required is 50 Borrower has 41.56<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 795. Required is 680 Borrower has 795 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 856414 | xxxxxx D B A | Closed | xxxxxx | 2026-01-24 15:43 | 2026-01-28 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received executed 4506 C - Due Diligence Vendor-01/28/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing 4506-C for 2023 and 2024 tax transcripts dated 01/08/2025 (should be dated 10/08/2026). - Due Diligence Vendor-01/24/2026 |  | Resolved-Received executed 4506 C - Due Diligence Vendor-01/28/2026 | CLTV is less than guidelines maximum - Max CLTV is 90% - Borrower has 71.06%. Required is 90 Borrower has 71.06<br>Qualifying DTI below maximum allowed - Max DTI is 50% - Borrower has 41.56%. Required is 50 Borrower has 41.56<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 795. Required is 680 Borrower has 795 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856510 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 11:35 | 2026-01-28 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received corrected final 1003 - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/26/2026 <br> Counter-1003 application provided, however it reflects borrowers are a co-signor. Finding Remains. - Due Diligence Vendor-01/22/2026 <br> Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Missing information/documents regarding additional debt - Due Diligence Vendor-01/15/2026 |  | Resolved-Received corrected final 1003 - Due Diligence Vendor-01/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 796 Required is 680 Borrower has 796<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 74.75 Required is 90 Borrower has 74.75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856510 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 11:45 | 2026-01-28 09:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-----Received Service Provider list showing Title company is not an Affiliate. Finding Resolved. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Counter-----There is no Service Provider List in file. Finding Remains. - Due Diligence Vendor-01/21/2026 <br> Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-----Received Service Provider list showing Title company is not an Affiliate. Finding Resolved. - Due Diligence Vendor-01/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 796 Required is 680 Borrower has 796<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 74.75 Required is 90 Borrower has 74.75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856510 | xxxxxx D A | Closed | xxxxxx | 2026-01-15 11:26 | 2026-01-22 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received Borrower 1 IRS Transcripts - Due Diligence Vendor-01/22/2026 <br> Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-01/15/2026 |  | Resolved-Received Borrower 1 IRS Transcripts - Due Diligence Vendor-01/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 796 Required is 680 Borrower has 796<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 74.75 Required is 90 Borrower has 74.75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856510 | xxxxxx D A | Closed | xxxxxx | 2026-01-15 11:26 | 2026-01-22 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Received Borrower 2 IRS Transcripts - Due Diligence Vendor-01/22/2026 <br> Open-Borrower 2 IRS Transcripts Missing - Due Diligence Vendor-01/15/2026 |  | Resolved-Received Borrower 2 IRS Transcripts - Due Diligence Vendor-01/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 796 Required is 680 Borrower has 796<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 74.75 Required is 90 Borrower has 74.75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856510 | xxxxxx D A | Closed | xxxxxx | 2026-01-14 13:56 | 2026-01-22 13:01 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal. - Due Diligence Vendor-01/22/2026 <br> Open-Appraisal is Missing Missing Appraisal. Additional conditions may apply - Due Diligence Vendor-01/15/2026 |  | Resolved-Received Appraisal. - Due Diligence Vendor-01/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 796 Required is 680 Borrower has 796<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 74.75 Required is 90 Borrower has 74.75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856518 | xxxxxx D B A | Closed | xxxxxx | 2026-01-20 13:43 | 2026-01-23 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-01/21/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. please see attached - Seller-01/21/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-01/23/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.32 Required is 49.99 Borrower has 38.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 810 Required is 680 Borrower has 810 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856518 | xxxxxx D B A | Closed | xxxxxx | 2026-01-13 17:57 | 2026-01-14 09:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/13/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.32 Required is 49.99 Borrower has 38.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 810 Required is 680 Borrower has 810 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 856520 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 23:19 | 2026-01-23 08:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved------Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-01/21/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. PCCD attached - Seller-01/21/2026<br>| Resolved------Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-01/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 717. Required is 680 Borrower has 717<br>Qualifying DTI below maximum allowed - Required is 49.99. Borrower has 28.25. Required is 49.99 Borrower has 28.25 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856520 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 23:07 | 2026-01-13 23:24 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-01/14/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-01/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 717. Required is 680 Borrower has 717<br>Qualifying DTI below maximum allowed - Required is 49.99. Borrower has 28.25. Required is 49.99 Borrower has 28.25 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 856523 | xxxxxx B A | Closed | xxxxxx | 2026-01-20 11:15 | 2026-01-20 11:18 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. (Client waiver applied to non-material Findings. - Due Diligence Vendor-01/20/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. (Client waiver applied to non-material Findings. - Due Diligence Vendor-01/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.5<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 856525 | xxxxxx B A | Closed | xxxxxx | 2026-01-21 09:37 | 2026-01-21 11:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/21/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 52.49<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 823 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 856536 | xxxxxx B A | Closed | xxxxxx | 2026-01-05 18:22 | 2026-01-05 18:22 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 807<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 856540 | xxxxxx D A | Closed | xxxxxx | 2026-01-15 08:40 | 2026-01-21 16:27 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Open-Appraisal is Missing Missing appraisal report for subject property. Additional conditions my apply. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026<br>| Resolved-Received Appraisal - Due Diligence Vendor-01/21/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 Required is 660 Borrower has 734<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.09 Required is 50 Borrower has 44.09 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856551 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 14:33 | 2026-01-27 10:07 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/26/2026 <br> Counter-Schedule C from title provided, please provide the Schedule A being sent for recording with the mortgage. - Due Diligence Vendor-01/26/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing LD in Mortgage Chain. - Due Diligence Vendor-01/12/2026 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.73 Required is 50 Borrower has 29.73<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 Required is 660 Borrower has 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856551 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 07:29 | 2026-01-22 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase Contract. - Due Diligence Vendor-01/22/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Complete PA not found in file - Due Diligence Vendor-01/20/2026 |  | Resolved-Received Purchase Contract. - Due Diligence Vendor-01/22/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.73 Required is 50 Borrower has 29.73<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 Required is 660 Borrower has 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856565 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 08:50 | 2026-01-20 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase Contract. - Due Diligence Vendor-01/20/2026 <br> Counter-Document was not attached. - Due Diligence Vendor-01/16/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing Purchase Contract - Due Diligence Vendor-01/12/2026 |  | Resolved-Received Purchase Contract. - Due Diligence Vendor-01/20/2026 | LTV is less than guideline maximum - LTV is lower than max allowable Required is 90 Borrower has 79.05<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 747 Required is 660 Borrower has 747 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856568 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856577 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 14:09 | 2026-02-02 12:02 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final title policy. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Both liens are clearly disclosed on the Final Settlement Statement previously provided and given this, we are unclear as to the reason for the delay in condition clearance. Final policy is also attached. Please clear condition<br> - Buyer-01/30/2026 <br> Counter-Combined Settlement statement provided. Please provide documentation to support the HELOC was paid and closed. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see attached! <br> - Buyer-01/27/2026 <br> Counter-Seller CD Provided. 2nd Lien payoff reflecting on the tile commitment was not paid at close. Please provide documentation to support the HELOC was paid and closed. - Due Diligence Vendor-01/27/2026 <br> Counter-Combined Settlement Statement was not located in the loan file. - Due Diligence Vendor-01/23/2026 <br> Open-The Final SELLER CD/HUD is missing. Missing Final Seller CD/HUD. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received final title policy. - Due Diligence Vendor-02/02/2026 | Months Reserves exceed minimum required - 30.48 mos reserves; 3 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856583 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 11:50 | 2026-02-02 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LOE confirming no HOI. - Due Diligence Vendor-02/02/2026 <br> Open-Provide current tax bill and HOI dec page for xxxxxx to validate housing payment. This is an investment property owned free and clear. There is an LOE confirming no HOA dues and T&I per final signed 1003 are $726.23, but supporting documentation to validate this housing payment not found in file and is required to verify DTI. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received LOE confirming no HOI. - Due Diligence Vendor-02/02/2026 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 44.63. Required is 50 Borrower has 44.63<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 791. Required is 660 Borrower has 791 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856583 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 18:35 | 2026-02-02 12:07 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/02/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. QM status pending until housing payment for xxxxxx can be verified to ensure DTI is accurate. - Due Diligence Vendor-01/27/2026 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/02/2026 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 44.63. Required is 50 Borrower has 44.63<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 791. Required is 660 Borrower has 791 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856585 | xxxxxx C A B | Closed | xxxxxx | 2026-01-20 08:56 | 2026-01-26 10:33 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/26/2026 <br> Open-Borrower 1 Gap Credit Report is Missing not provided - Due Diligence Vendor-01/20/2026 |  | Resolved-Received Gap Report. - Due Diligence Vendor-01/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.1<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 42.03 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856585 | xxxxxx C A B | Closed | xxxxxx | 2026-01-12 17:03 | 2026-01-23 08:30 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/23/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-01/12/2026 |  | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.1<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 42.03 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856592 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856618 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 10:00 | 2026-01-15 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received DOT with PUD rider. Confirmed Legal in initial File. - Due Diligence Vendor-01/15/2026 <br> Open-PUD Rider is Missing - Due Diligence Vendor-01/12/2026 |  | Resolved-Received DOT with PUD rider. Confirmed Legal in initial File. - Due Diligence Vendor-01/15/2026 | Qualifying DTI below maximum allowed - qualifying DTI 43.95% max 50% Required is 50 Borrower has 43.95<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 813; minimum score 680. Required is 680 Borrower has 813 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856618 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 09:56 | 2026-01-15 10:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Less Than 2 Months Verified | Resolved-Received Additional month statement - Due Diligence Vendor-01/15/2026 <br> Open-Asset 4 Less Than 2 Months Verified- per guidelines requires 60 days. missing 1 more months of xxxxxx - Due Diligence Vendor-01/12/2026 |  | Resolved-Received Additional month statement - Due Diligence Vendor-01/15/2026 | Qualifying DTI below maximum allowed - qualifying DTI 43.95% max 50% Required is 50 Borrower has 43.95<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 813; minimum score 680. Required is 680 Borrower has 813 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856627 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 14:07 | 2026-01-27 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received tax verification. - Due Diligence Vendor-01/27/2026 <br> Counter-Taxes for Subject provided. Please provide tax verification for the xxxxxx property. - Due Diligence Vendor-01/20/2026 <br> Open-Missing evidence that the tax bill provided in file is for the one property owned by borrower. The tax bill includes a parcel number only. Additional findings may apply since the tax bill was used for the property owned. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received tax verification. - Due Diligence Vendor-01/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.75 Required is 50 Borrower has 43.75<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - 12.72 months reserves and 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856627 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 13:35 | 2026-01-27 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received LOE. - Due Diligence Vendor-01/27/2026 <br> Counter-Missing borrower LOX acknowledging the purchase of subject at xxxxxx over the appraised value - Due Diligence Vendor-01/23/2026 <br> Open-Missing borrower LOX acknowledging the purchase of subject at xxxxxx over the appraised value. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received LOE. - Due Diligence Vendor-01/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.75 Required is 50 Borrower has 43.75<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - 12.72 months reserves and 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856627 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 13:29 | 2026-01-23 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review, guidelines state 180 days with an increase in value > 10%. Increase is not 10% and therefore not considered a Flip. - Due Diligence Vendor-01/23/2026 <br> Counter-Upon further review, guidelines state 180 days with an increase in value > 10%. Increase is not 10% and therefore not considered a Flip. - Due Diligence Vendor-01/16/2026 <br> Open-Subject property was for-sale-by-owner (FSBO). Per Guideline section 4.2.1, purchase transactions must be arms-length and seller must have owned the property for no less than 180 days after the recorded deed date. The prior deed was recorded xxxxxx, or <br> 141 days prior to the xxxxxx note date. - Due Diligence Vendor-01/09/2026 |  | Resolved-Upon further review, guidelines state 180 days with an increase in value > 10%. Increase is not 10% and therefore not considered a Flip. - Due Diligence Vendor-01/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.75 Required is 50 Borrower has 43.75<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - 12.72 months reserves and 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856627 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 14:43 | 2026-01-22 11:41 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Final Final Settlement Statement provided. - Due Diligence Vendor-01/22/2026 <br> Counter-Received Seller CD, however the Seller Affidavit stating No Deed of Trust is not signed and notarized. Additional findings may apply. - Due Diligence Vendor-01/16/2026 <br> Open-The Final SELLER CD/HUD is missing. Additional findings may apply. - Due Diligence Vendor-01/09/2026 |  | Resolved-Final Final Settlement Statement provided. - Due Diligence Vendor-01/22/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.75 Required is 50 Borrower has 43.75<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - 12.72 months reserves and 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856627 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 14:31 | 2026-01-16 11:15 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contains the available mortgage payments. - Due Diligence Vendor-01/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing mortgage payment history for REO xxxxxx (originated xxxxxx) meeting requirements of Guideline Section 5.3. File included evidence of 6 months of payment but was missing a VOM or credit Supplement. Additional findings may apply. - Due Diligence Vendor-01/09/2026 |  | Resolved-Upon further review, the loan file contains the available mortgage payments. - Due Diligence Vendor-01/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.75 Required is 50 Borrower has 43.75<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - 12.72 months reserves and 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856627 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 14:04 | 2026-01-16 10:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Missing most recent 2 months | Resolved-Received bank statements for proof of receipt. - Due Diligence Vendor-01/16/2026 <br> Open-Missing 2 months rental income receipt proof required by Guideline Section 6.3 for use of rental income for property owned. Additional findings may apply since Audit used the Lease amount. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received bank statements for proof of receipt. - Due Diligence Vendor-01/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.75 Required is 50 Borrower has 43.75<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - 12.72 months reserves and 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856629 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856638 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 14:44 | 2026-01-21 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received documentation for the alerts. - Due Diligence Vendor-01/21/2026 <br> Counter-Received Fraud Report. Missing documentation used to clear high alerts. - Due Diligence Vendor-01/15/2026 <br> Open-Missing Third Party Fraud Report Provide Third Party Fraud report - Due Diligence Vendor-01/09/2026 |  | Resolved-Received documentation for the alerts. - Due Diligence Vendor-01/21/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856651 | xxxxxx D A | Closed | xxxxxx | 2026-01-15 16:23 | 2026-01-30 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-After further review, the HOI policy and the replacement cost estimate indicated xxxxxx are covered. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Lender response: The subject is not a condo. Insurance covers xxxxxx units, please help waive this condition or clarify what additional clarification is needed from agent. - Due Diligence Vendor-01/27/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Coverage amount cannot be validated as the replacement cost only appears to include the main dwelling. - Due Diligence Vendor-01/15/2026 |  | Resolved-After further review, the HOI policy and the replacement cost estimate indicated xxxxxx are covered. - Due Diligence Vendor-01/30/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856651 | xxxxxx D A | Closed | xxxxxx | 2026-01-15 16:23 | 2026-01-28 10:23 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Lenders Supplemental report shows subject is a multiple family residence. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Lender response: The prelim we have in file shows xxxxxx units, please see page 10. Please review the correct prelim. - Due Diligence Vendor-01/27/2026 <br> Open-Property Title Issue Property is listed on title as a sfd with adu. Appraiser has referred to the property as a xxxxxx unit, and provided extensive commentary to support. However title will need to match. If title cannot be updated to xxxxxx unit, the appraisal is not valid. Also, cannot be confirmed to include xxxxxx units since title only appears to show the main dwelling. - Due Diligence Vendor-01/15/2026 |  | Resolved-Lenders Supplemental report shows subject is a multiple family residence. - Due Diligence Vendor-01/28/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856651 | xxxxxx D A | Closed | xxxxxx | 2026-01-16 11:21 | 2026-01-27 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-BP disclosure was provided. - Due Diligence Vendor-01/27/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Subject is a cash out refinance and BP disclosure is required. LOX in file for cash out - Due Diligence Vendor-01/16/2026 |  | Resolved-BP disclosure was provided. - Due Diligence Vendor-01/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856651 | xxxxxx D A | Closed | xxxxxx | 2026-01-16 11:35 | 2026-01-22 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2026 <br> Open-Third Party Fraud Report Partially Provided Alert Summary provided; however, fraud report is missing from loan file. - Due Diligence Vendor-01/16/2026 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-01/22/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.95<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856666 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856667 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856668 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856673 | xxxxxx B A | Closed | xxxxxx | 2026-01-02 10:42 | 2026-01-02 11:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.89 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 856708 | xxxxxx C B A | Closed | xxxxxx | 2026-01-22 19:29 | 2026-01-27 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-01/27/2026 <br> Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received Seller CD. - Due Diligence Vendor-01/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 750<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.07 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856708 | xxxxxx C B A | Closed | xxxxxx | 2026-01-16 09:19 | 2026-01-16 10:03 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-01/16/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-01/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 750<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.07 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 856717 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 09:39 | 2026-02-02 18:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Updated gift letter was provided with relationship. - Due Diligence Vendor-02/02/2026 <br> Open-Asset 4 Does Not Meet Guideline Requirements The gift letter indicates that the gift is from relative/family; however, the relationship of the donor to the borrower must be reflected on the gift letter. Subject to additional conditions. - Due Diligence Vendor-01/28/2026 |  | Resolved-Updated gift letter was provided with relationship. - Due Diligence Vendor-02/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.8<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856717 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 09:13 | 2026-02-02 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Tax preparer letter and validation of EA license. - Due Diligence Vendor-02/02/2026 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter and expense factor of 25%. Subject to additional conditions. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received Tax preparer letter and validation of EA license. - Due Diligence Vendor-02/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.8<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856726 | xxxxxx C A | Closed | xxxxxx | 2026-01-16 15:24 | 2026-01-22 13:24 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-01/22/2026 <br> Open-LOX for credit inquiries is missing. Credit was pulled on 12/15/25 for this transaction. Provide an LOE for the following credit inquiries on xxxxxx: xxxxxx - Due Diligence Vendor-01/16/2026 |  | Resolved-Received LOE. - Due Diligence Vendor-01/22/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.62 Required is 50 Borrower has 25.62<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 779 Required is 680 Borrower has 779 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856738 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 856741 | xxxxxx B A | Closed | xxxxxx | 2026-01-11 11:18 | 2026-01-12 15:25 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx - Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/12/2026 |  | Waived-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx - Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/12/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 856741 | xxxxxx B A | Closed | xxxxxx | 2026-01-11 11:18 | 2026-01-12 15:24 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx - Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/12/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx - Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/12/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 856775 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 13:04 | 2026-01-20 08:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-No new inquiries reflected after initial credit report. - Due Diligence Vendor-01/20/2026 <br> Counter-Received GAP report. Missing LOX for new inquiries reflected after initial credit report. - Due Diligence Vendor-01/15/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Provide either gap credit report or UDM within 10 days of closing. - Due Diligence Vendor-01/12/2026 |  | Resolved-No new inquiries reflected after initial credit report. - Due Diligence Vendor-01/20/2026 | LTV is less than guideline maximum - Required is 80. Borrower has 75. Required is 80 Borrower has 75<br>Verified employment history exceeds guidelines - Guidelines require a minimum of 2 years employment history. Borrower's verified employment is 4 years and 5 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856775 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 13:23 | 2026-01-15 10:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received xxxxxx agreement confirming Fixed payment and production guarantee. - Due Diligence Vendor-01/15/2026 <br> Open-Audited DTI of 51.62% exceeds Guideline DTI of 50% Provide documentation to support excluding xxxxxx lease payment. - Due Diligence Vendor-01/12/2026 |  | Resolved-Received xxxxxx agreement confirming Fixed payment and production guarantee. - Due Diligence Vendor-01/15/2026 | LTV is less than guideline maximum - Required is 80. Borrower has 75. Required is 80 Borrower has 75<br>Verified employment history exceeds guidelines - Guidelines require a minimum of 2 years employment history. Borrower's verified employment is 4 years and 5 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856797 | xxxxxx C B A | Closed | xxxxxx | 2026-01-08 12:30 | 2026-01-29 12:47 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/29/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/29/2026 | CLTV is less than guidelines maximum - Required is 75 Borrower has 49.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 856797 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 11:06 | 2026-01-21 11:30 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD. - Due Diligence Vendor-01/21/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-25963.63'. Assets are Insufficient. Total Qualified Assets Post-Close amount is '$-25963.63'. Assets are Insufficient. - Due Diligence Vendor-01/13/2026 |  | Resolved-Received PCCD. - Due Diligence Vendor-01/21/2026 | CLTV is less than guidelines maximum - Required is 75 Borrower has 49.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856799 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856810 | xxxxxx C B A | Closed | xxxxxx | 2026-01-11 01:05 | 2026-01-23 15:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Document Uploaded. Legal description was provided. - Due Diligence Vendor-01/23/2026 <br> Counter-Legal from the Preliminary Report provided. Please provide the Legal attached to the mortgage. - Due Diligence Vendor-01/20/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Sch A; Legal - Due Diligence Vendor-01/11/2026 |  | Resolved-Document Uploaded. Legal description was provided. - Due Diligence Vendor-01/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 713<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.18 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856810 | xxxxxx C B A | Closed | xxxxxx | 2026-01-11 01:23 | 2026-01-20 15:23 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-01/11/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-01/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 713<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.18 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 856810 | xxxxxx C B A | Closed | xxxxxx | 2026-01-11 01:23 | 2026-01-20 15:23 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----ROR Form H9 is acceptable in place of H8 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/11/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----ROR Form H9 is acceptable in place of H8 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 713<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.18 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 856833 | xxxxxx C A | Closed | xxxxxx | 2026-01-07 10:31 | 2026-01-16 07:45 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received COC for decrease in fees. finding Resolved. - Due Diligence Vendor-01/16/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($16,048.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($28,861.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from $28861 to $16048 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $12813, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-01/07/2026 |  | Resolved-----Received COC for decrease in fees. finding Resolved. - Due Diligence Vendor-01/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.07<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756<br>LTV is less than guideline maximum - Required is 75 Borrower has 54.84 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856838 | xxxxxx D A | Closed | xxxxxx | 2026-01-26 15:05 | 2026-01-28 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD for xxxxxx. - Due Diligence Vendor-01/28/2026 <br> Open-Missing verification of the PITI(a) for property xxxxxx - Due Diligence Vendor-01/26/2026 |  | Resolved-Received CD for xxxxxx. - Due Diligence Vendor-01/28/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856840 | xxxxxx D A | Closed | xxxxxx | 2026-01-26 08:53 | 2026-01-28 11:21 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received final CD for xxxxxx. confirming closing date xxxxxx - Due Diligence Vendor-01/28/2026 <br> Open-Housing History Does Not Meet Guideline Requirements. Missing a complete 12 month history mortgage history for REO xxxxxx acctxxxxxx. - Due Diligence Vendor-01/26/2026 |  | Resolved-Received final CD for xxxxxx. confirming closing date xxxxxx - Due Diligence Vendor-01/28/2026 | Qualifying DTI below maximum allowed - DTI is 34.65% and max allowed is 50% Required is 50 Borrower has 34.65<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 766 and minimum allowed is 680 Required is 680 Borrower has 766 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856840 | xxxxxx D A | Closed | xxxxxx | 2026-01-26 08:35 | 2026-01-28 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final CD for xxxxxx. - Due Diligence Vendor-01/28/2026 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property for xxxxxx - Due Diligence Vendor-01/26/2026 |  | Resolved-Received final CD for xxxxxx. - Due Diligence Vendor-01/28/2026 | Qualifying DTI below maximum allowed - DTI is 34.65% and max allowed is 50% Required is 50 Borrower has 34.65<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 766 and minimum allowed is 680 Required is 680 Borrower has 766 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856846 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856847 | xxxxxx B A | Closed | xxxxxx | 2026-01-07 14:54 | 2026-01-08 07:16 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ----Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-01/07/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ----Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-01/07/2026 | Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 49.55 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 856849 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856852 | xxxxxx C B A | Closed | xxxxxx | 2025-12-30 10:47 | 2026-01-22 10:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non material finding with comp factors, Deemed non material as only short 1 months reserves.<br> - Due Diligence Vendor-01/22/2026 <br> Open-Audited Reserves of 2.92 month(s) are less than Guideline Required Reserves of 6 month(s) Missing documentation of cash value of policy xxxxxx as per the final 1003 in order to meet reserve requirements. - Due Diligence Vendor-12/30/2025 |  | Waived-Client waiver applied to non material finding with comp factors, Deemed non material as only short 1 months reserves.<br> - Due Diligence Vendor-01/22/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 856852 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 10:07 | 2026-01-22 07:28 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/22/2026 <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% ($725.00) exceed the comparable charges ($500.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Ten (10%) tolerance fees (Recording Fee) increased by $275 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $175, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-12/29/2025 |  | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/22/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856854 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 13:59 | 2026-01-21 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Upon further review, the Lease and 1007 was located in the loan file. - Due Diligence Vendor-01/21/2026 <br> Counter-No document received. Rental income used for subject. Missing 2 months rental income receipt proof, or security deposit and first month rent for rental properties - Due Diligence Vendor-01/14/2026 <br> Open-Missing 2 months rental income receipt proof, or security deposit and first month rent for rental properties<br> - Due Diligence Vendor-01/07/2026 |  | Resolved-Upon further review, the Lease and 1007 was located in the loan file. - Due Diligence Vendor-01/21/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.13<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856854 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 11:12 | 2026-01-16 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-CD for the primary provided with all PITIA documented. - Due Diligence Vendor-01/16/2026 <br> Counter-Received 1008, Mortgage statement, Note, and Property Detail. 1008 reflect HOI in a different disclosed amount and HOA not previously disclosed. Provide proof of noted debt. - Due Diligence Vendor-01/14/2026 <br> Open-Missing HOI for primary residence - Due Diligence Vendor-01/07/2026 |  | Resolved-CD for the primary provided with all PITIA documented. - Due Diligence Vendor-01/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.13<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856854 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 13:59 | 2026-01-16 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Rental income was not used in qualifying. - Due Diligence Vendor-01/16/2026 <br> Counter-No document received. Rental income used for subject. Missing 2 months rental income receipt proof, or security deposit and first month rent for rental properties - Due Diligence Vendor-01/14/2026 <br> Open-Missing for subject property - Due Diligence Vendor-01/07/2026 |  | Resolved-Rental income was not used in qualifying. - Due Diligence Vendor-01/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.13<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856854 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 13:07 | 2026-01-16 11:31 | Resolved | 1 - Information C A | Credit | Eligibility | Issue with First Payment Letter | Resolved-Received PCCD. - Due Diligence Vendor-01/16/2026 <br> Open-CD dated xxxxxx appears to be last CD and CD reflects escrowed. First payment letter does not reflect escrows. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received PCCD. - Due Diligence Vendor-01/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.13<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856856 | xxxxxx D A | Closed | xxxxxx | 2025-12-29 13:37 | 2026-01-12 11:00 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Tax calculation - Due Diligence Vendor-01/12/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Evidence of Property Tax. - Due Diligence Vendor-12/29/2025 |  | Resolved-Received Tax calculation - Due Diligence Vendor-01/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.56 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856856 | xxxxxx D A | Closed | xxxxxx | 2025-12-29 12:17 | 2026-01-12 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Calculation. - Due Diligence Vendor-01/12/2026 <br> Counter-Received Tax Cert. Tax Certification reflect exception for over 65 of age. Borrower does not meet requirements for this exemption. Finding remains. - Due Diligence Vendor-01/06/2026 <br> Open-Missing Evidence of Property Tax. The 1008 reflects the 2025 tax cert in the amount of xxxxxx was used for qualification. Lender to provide documentation to support taxes used for qualification. Additional conditions may apply. - Due Diligence Vendor-12/29/2025 |  | Resolved-Received Tax Calculation. - Due Diligence Vendor-01/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.56 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856857 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 15:03 | 2026-01-16 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence Vendor-01/16/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing Rent Free Letter. Rent-free - provide a Letter of explanation (LOE) confirming that there is/was no monthly obligation. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received Rent Free Letter. - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - 15.52 mths reserves; 4 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856857 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 09:04 | 2026-01-14 11:28 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received P & L on alternate finding. - Due Diligence Vendor-01/14/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing P&L verifying income. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received P & L on alternate finding. - Due Diligence Vendor-01/14/2026<br>| Months Reserves exceed minimum required - 15.52 mths reserves; 4 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856857 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 14:58 | 2026-01-14 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-01/14/2026 <br> Open-Borrower 1 YTD Profit & Loss Missing Missing P&L - Due Diligence Vendor-01/08/2026 |  | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-01/14/2026<br>| Months Reserves exceed minimum required - 15.52 mths reserves; 4 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856858 | xxxxxx D A | Closed | xxxxxx | 2026-01-15 11:38 | 2026-01-27 14:22 | Resolved | 1 - Information C A | Credit | Eligibility | Cash out is more than the maximum allowed per LTV guidelines | Resolved-Per our program matrix, the maximum cash-out limitation of $750,000 applies only when the loan amount exceeds $2,500,000 or when the credit score is below 680. In this case, the subject loan has a loan amount below $2,500,000 and a credit score of 685. - Due Diligence Vendor-01/27/2026 <br> Counter-Review did not receive upload. Please re upload. - Due Diligence Vendor-01/26/2026 <br> Counter-Finding is for maximum cash out. LTV requirements have been met. - Due Diligence Vendor-01/21/2026 <br> Open-Maximum cash out is $750,000 for LTV > 60% (LTV is 65%). - Due Diligence Vendor-01/15/2026 |  | Resolved-Per our program matrix, the maximum cash-out limitation of $750,000 applies only when the loan amount exceeds $2,500,000 or when the credit score is below 680. In this case, the subject loan has a loan amount below $2,500,000 and a credit score of 685. - Due Diligence Vendor-01/27/2026 | Long term residence - Borrower at primary 10 years per 1003 and COT<br>Months Reserves exceed minimum required - 127 months c\o reserves exceed 9 mos per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856858 | xxxxxx D A | Closed | xxxxxx | 2026-01-22 13:46 | 2026-01-26 11:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received 1025 and updated 1003 reflecting rental income considered on newly acquired REO. - Due Diligence Vendor-01/26/2026 <br> Open-Audited DTI of 51.1% exceeds Guideline DTI of 50% \*New\* Received PITIA for 3k (xxxxxx) PITIA is $16,479.82. Lender used $13, 3230.73 - Due Diligence Vendor-01/22/2026 |  | Resolved-Received 1025 and updated 1003 reflecting rental income considered on newly acquired REO. - Due Diligence Vendor-01/26/2026<br>| Long term residence - Borrower at primary 10 years per 1003 and COT<br>Months Reserves exceed minimum required - 127 months c\o reserves exceed 9 mos per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856858 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 11:21 | 2026-01-22 13:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD. - Due Diligence Vendor-01/22/2026 <br> Counter-Received Credit LOE. Finding for missing Tax and insurance documents not provided for REO property located at xxxxxx - Due Diligence Vendor-01/16/2026 <br> Open-Missing documents for an REO property. Tax and insurance documents not provided for REO property located at xxxxxx - Due Diligence Vendor-01/13/2026 |  | Resolved-Received CD. - Due Diligence Vendor-01/22/2026<br>| Long term residence - Borrower at primary 10 years per 1003 and COT<br>Months Reserves exceed minimum required - 127 months c\o reserves exceed 9 mos per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856879 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856909 | xxxxxx C B A | Closed | xxxxxx | 2026-01-06 09:13 | 2026-01-06 14:57 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry letter provided. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. - Seller-01/06/2026 <br>Open-LOX for credit inquiries is missing. Missing LOE for credit inquiries. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-Inquiry letter provided. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 640 Required is 640 Borrower has 725<br>Qualifying DTI below maximum allowed - DTI of 42.49% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 42.49<br>LTV is less than guideline maximum - LTV of 45.71% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 45.71 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856909 | xxxxxx C B A | Closed | xxxxxx | 2026-01-02 11:08 | 2026-01-02 13:23 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 640 Required is 640 Borrower has 725<br>Qualifying DTI below maximum allowed - DTI of 42.49% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 42.49<br>LTV is less than guideline maximum - LTV of 45.71% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 45.71 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 856909 | xxxxxx C B A | Closed | xxxxxx | 2026-01-02 11:13 | 2026-01-02 12:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/02/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 725 which exceeds the minimum of 640 Required is 640 Borrower has 725<br>Qualifying DTI below maximum allowed - DTI of 42.49% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 42.49<br>LTV is less than guideline maximum - LTV of 45.71% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 45.71 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 856910 | xxxxxx C A | Closed | xxxxxx | 2026-01-05 16:46 | 2026-01-26 07:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-----Received copy of lock date. Finding Resolved. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Counter-Please provide documentation of the lock date. Finding remains. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <br> Counter-Received PCCD. HPML finding remains. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Counter-Per the CE report provided, we have a discrepancy in the Prepaid Finance Charges as per the final CD received in audit. Correct CE with the following: Escrow Processing fee $0 per final CD; Prepaid Interest: $745.33 per final CD and Flood Cert $10 per final CD - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see attached compliance report and advise if higher priced mortgage loan test fail can be reconsidered. - Seller-01/14/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. ----- Statute of limitations – One year; Expiration date: xxxxxx. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026 <br>Ready for Review-Document Uploaded. - Seller-01/20/2026 <br>Ready for Review-Document Uploaded. - Seller-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached compliance report and advise if higher priced mortgage loan test fail can be reconsidered. - Seller-01/14/2026<br>| Resolved-----Received copy of lock date. Finding Resolved. - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 28.12 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856910 | xxxxxx C A | Closed | xxxxxx | 2026-01-05 16:46 | 2026-01-26 07:24 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/12/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($120.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $120 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $120, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-01/05/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 28.12 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856910 | xxxxxx C A | Closed | xxxxxx | 2026-01-05 16:46 | 2026-01-26 07:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-----Received copy of lock date. Finding Resolved. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Counter-CE report provided. HPML finding remains pending receipt of additional requested compliance documentation. - Due Diligence Vendor-01/21/2026 <br> Open-This loan failed the higher-priced mortgage loan required escrow account test. (12 CFR §1026.35(b))This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(2)This test does not account for instances when mortgage insurance reserves must be escrowed based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. ----- Statute of limitations – One year; Expiration date: xxxxxx. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026<br>| Resolved-----Received copy of lock date. Finding Resolved. - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 28.12 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856910 | xxxxxx C A | Closed | xxxxxx | 2026-01-07 13:51 | 2026-01-20 09:03 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-With the liquidation of the xxxxxx funds, the borrower has sufficient assets to close. xxxxxx does not need to be liquidated for reserves, utilized 60% per guides. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Counter-Received UW cert saying should not have to liquidate. Guideline requires liquidation. Printout from xxxxxxxx is incomplete and final balance is insufficient for required reserves. Provide complete printout and confirm sufficient reserves. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/15/2026 <br> Counter-Received proof of liquidation of xxxxxx. Printout from xxxxxxxx is incomplete and final balance is insufficient for required reserves. Provide complete printout and confirm sufficient reserves. - Due Diligence Vendor-01/13/2026 <br> Open-Asset Record 3 Does Not Meet G/L Requirements xxxxxx xxxxxx is an eligible sources of funds for the down payment & closing costs but must be liquidated and deposited into an established xxxxxx account per Guidelines. Provide proof of liquidation for adequate funds to close. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026<br>| Resolved-With the liquidation of the xxxxxx funds, the borrower has sufficient assets to close. xxxxxx does not need to be liquidated for reserves, utilized 60% per guides. - Due Diligence Vendor-01/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 28.12 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856916 | xxxxxx D A C | Closed | xxxxxx | 2026-01-23 12:25 | 2026-02-03 09:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received tax preparers license validation. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. 1/28/26 - Please see attached license validation. - Buyer-01/28/2026 <br> Counter-Received tax preparer letter. Missing license validation. - Due Diligence Vendor-01/28/2026 <br> Open-Borrower 1 CPA Letter Missing Missing the following from the CPA that prepared the P&L:<br> Preparer to provide a signed document with all of the following:<br> ▪ Confirmation business has been in existence for a minimum of two (2) years<br> ▪ Indicate borrower's ownership percentage of the business<br> ▪ Confirmation the preparer completed or filed the most recent business tax return - Due Diligence Vendor-01/23/2026 |  | Resolved-Received tax preparers license validation. - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.45 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856916 | xxxxxx D A C | Closed | xxxxxx | 2026-01-22 18:41 | 2026-02-03 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received validation of special assessments, corrected 1008 and 1003 - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. 2/2/26 - Please see attached HOA explaining the special assessment monthly amount along with updated Final 1003 and 1008. Manually uploaded in xxxxxx due to counter comments. - Buyer-02/02/2026 <br> Counter-Received HOA questionnaire reflecting special assessments due monthly but no monthly amount provided. - Due Diligence Vendor-01/28/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Project must meet guidelines including for any pending litigation. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received validation of special assessments, corrected 1008 and 1003 - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.45 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856916 | xxxxxx D A C | Closed | xxxxxx | 2026-01-22 18:41 | 2026-02-03 09:50 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-02/03/2026 <br>Resolved-Received secondary valuation product. - Due Diligence Vendor-01/28/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing additional valuation to support subject. - Due Diligence Vendor-01/23/2026 |  | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-02/03/2026 <br>Resolved-Received secondary valuation product. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.45 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856916 | xxxxxx D A C | Closed | xxxxxx | 2026-01-23 12:28 | 2026-02-03 09:48 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received property profile. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. 2/2/26 - lease see attached property profile to confirm our borrower has not had any ownership on this property. Manually uploaded in xxxxxx due to counter comments. - Buyer-02/02/2026 <br> Counter-Received corrected 1003 and VOR. Missing confirmation borrower had no ownership in xxxxxx - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/28/26 - Lender Response: Please see attached updated Final 1003, along with VOR. Our borrower previously rented at xxxxxx, up until 11-30-2025. They recently moved into their primary home at xxxxxx two months ago. - Buyer-01/29/2026 <br> Open-The property at xxxxxx, which appears as a mailing address on multiple documents, including the hazard insurance and the fraud report, isn't accounted for on the URLA, and there is no letter or property report to explain if the borrower owns the property. If the borrower owns this property additional conditions may apply. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received property profile. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.45 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856916 | xxxxxx D A C | Closed | xxxxxx | 2026-01-23 12:29 | 2026-01-28 11:36 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/28/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Prelim no coverage documented - Due Diligence Vendor-01/23/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.45 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856916 | xxxxxx D A C | Closed | xxxxxx | 2026-01-23 11:53 | 2026-01-28 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-01/28/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Per guide book, all investment occupancy loans are considered business purpose transactions and require the borrower to<br> acknowledge the loan is a business purpose loan by completing and signing the appropriate sections of the<br> Borrower Certification of Business Purpose form - Due Diligence Vendor-01/23/2026 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.45 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856916 | xxxxxx D A C | Closed | xxxxxx | 2026-01-22 20:13 | 2026-01-28 11:25 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-01/28/2026 <br> Open-LOX for credit inquiries is missing. 12/1 appears another unidentified company pulled the credit. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.45 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856916 | xxxxxx D A C | Closed | xxxxxx | 2026-01-23 12:01 | 2026-01-27 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-01/27/2026 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. PCCD in file is not executed or stamped by title company. - Due Diligence Vendor-01/23/2026 |  | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.45 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856934 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 09:14 | 2026-01-20 10:40 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-01/20/2026 <br>Open-LOX for credit inquiries is missing. Missing LOE for credit inquiries. - Due Diligence Vendor-01/13/2026 |  | Resolved-Received LOE - Due Diligence Vendor-01/20/2026<br>| CLTV is less than guidelines maximum - LTV of 69.95% is below the maximum of 90% allowed per guidelines Required is 90 Borrower has 69.95<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 772 which exceeds the minimum of 680 Required is 680 Borrower has 772 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856934 | xxxxxx C B A | Closed | xxxxxx | 2026-01-08 12:51 | 2026-01-08 12:51 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----ROR Form H9 is acceptable in place of H8 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/08/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----ROR Form H9 is acceptable in place of H8 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/08/2026<br>| CLTV is less than guidelines maximum - LTV of 69.95% is below the maximum of 90% allowed per guidelines Required is 90 Borrower has 69.95<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 772 which exceeds the minimum of 680 Required is 680 Borrower has 772 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 856947 | xxxxxx C B A | Closed | xxxxxx | 2026-01-25 12:36 | 2026-02-02 14:23 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-The fee for the desk review was removed and not listed on the CD on the LE. CU provided with a score of 1. - Due Diligence Vendor-02/02/2026 <br>Counter-Received CU. Appraisal review product not received. - Due Diligence Vendor-01/29/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CD reflects a fee for Desk Review\CDA, however document not found in file - Due Diligence Vendor-01/25/2026 |  | Resolved-The fee for the desk review was removed and not listed on the CD on the LE. CU provided with a score of 1. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 692<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 4.12<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856947 | xxxxxx C B A | Closed | xxxxxx | 2026-01-20 11:12 | 2026-01-20 11:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding. - Due Diligence Vendor-01/20/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 692<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 4.12<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 856949 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856971 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 12:29 | 2026-01-27 11:02 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM. - Due Diligence Vendor-01/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Subject property is currently free and clear but a Substitution of Trustee and Full Reconveyance is in file dated xxxxxx - officially releasing the subject from the previous lender's security interest. As it appears Borrower has had housing payments within the last 12 months- a VOM or equivalent is required to verify all housing payments within the last 12 months were made on time prior to the previous lien being paid in full. - Due Diligence Vendor-01/21/2026 |  | Resolved-Received VOM. - Due Diligence Vendor-01/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.35 Required is 50 Borrower has 33.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731 Required is 660 Borrower has 731<br>LTV is less than guideline maximum - Required is 70 Borrower has 51.72 Required is 70 Borrower has 51.72 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856991 | xxxxxx C B A | Closed | xxxxxx | 2026-01-22 21:26 | 2026-01-23 11:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow 60% commercial space in xxxxxx. Non-material waiver applied with comp factors. Deemed non-material due to only 10% above max allowed. - Due Diligence Vendor-01/23/2026 <br> Open-Project has 60% commercial space while investor allows up to 50%. - Due Diligence Vendor-01/23/2026 |  | Waived-Client exception granted to allow 60% commercial space in xxxxxx. Non-material waiver applied with comp factors. Deemed non-material due to only 10% above max allowed. - Due Diligence Vendor-01/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 811 | Project has 64% primary/2nd home ownership<br> Project is well maintained with no special assessments or deferred maintenance.<br> Audit comp factors:<br> Required is 660 Borrower has 811<br> Required is 50 Borrower has 37.97 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 856996 | xxxxxx C A | Closed | xxxxxx | 2026-01-27 16:25 | 2026-01-30 13:40 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries - Due Diligence Vendor-01/30/2026 <br>Open-LOX for credit inquiries is missing. Credit inquiry LOX did not address all inquiries - Due Diligence Vendor-01/27/2026 |  | Resolved-Received LOX for credit inquiries - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br>Months Reserves exceed minimum required - Min 5, actual 78.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856996 | xxxxxx C A | Closed | xxxxxx | 2026-01-27 16:25 | 2026-01-30 13:40 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Received LOE from title confirming payment to vested owner. - Due Diligence Vendor-01/30/2026 <br>Open-Payoff(s) on the CD/HUD are not reported on Title Report. Payoff for a personal loan listed on the seller CD, Loan is not on title and person listed is one of the owners of the property. - Due Diligence Vendor-01/27/2026 |  | Resolved-Received LOE from title confirming payment to vested owner. - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br>Months Reserves exceed minimum required - Min 5, actual 78.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856996 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 16:40 | 2026-01-30 07:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received copy of Initial LE xxxxxx and Service Provider List. Finding Resolved. - Due Diligence Vendor-01/30/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $5,511.24.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/21/2026 |  | Resolved-----Received copy of Initial LE xxxxxx and Service Provider List. Finding Resolved. - Due Diligence Vendor-01/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br>Months Reserves exceed minimum required - Min 5, actual 78.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856996 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 16:40 | 2026-01-30 07:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received copy of Initial LE xxxxxx and Service Provider List. Finding Resolved. - Due Diligence Vendor-01/30/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,751.95) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-01/21/2026 |  | Resolved-----Received copy of Initial LE xxxxxx and Service Provider List. Finding Resolved. - Due Diligence Vendor-01/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br>Months Reserves exceed minimum required - Min 5, actual 78.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856996 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 16:40 | 2026-01-30 07:49 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-----Received copy of Initial LE xxxxxx and Service Provider List. Finding Resolved. - Due Diligence Vendor-01/30/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ----- Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx.<br> - Due Diligence Vendor-01/21/2026 |  | Resolved-----Received copy of Initial LE xxxxxx and Service Provider List. Finding Resolved. - Due Diligence Vendor-01/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br>Months Reserves exceed minimum required - Min 5, actual 78.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856996 | xxxxxx C A | Closed | xxxxxx | 2026-01-22 09:12 | 2026-01-30 07:49 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-----Received copy of Initial LE xxxxxx and Service Provider List. Finding Resolved. - Due Diligence Vendor-01/30/2026 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-01/22/2026 |  | Resolved-----Received copy of Initial LE xxxxxx and Service Provider List. Finding Resolved. - Due Diligence Vendor-01/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br>Months Reserves exceed minimum required - Min 5, actual 78.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 856998 | xxxxxx D A C | Closed | xxxxxx | 2025-12-31 11:25 | 2026-01-16 10:54 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received VOE. - Due Diligence Vendor-01/16/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing VOE - Due Diligence Vendor-12/31/2025 |  | Resolved-Received VOE. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856998 | xxxxxx D A C | Closed | xxxxxx | 2025-12-31 11:00 | 2026-01-16 10:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/16/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Must be obtained within 10 days from closing; Verbal in file reflects that a "state agency or licensing bureau (business license)" was used to verify the borrower's business and a phone number that was not associated as the borrower's or CPA was used. <br> - Due Diligence Vendor-12/31/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856998 | xxxxxx D A C | Closed | xxxxxx | 2025-12-31 11:37 | 2026-01-16 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Purchase Contract is not partially provided. - Due Diligence Vendor-01/16/2026 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing Seller's Authorization to Sign form, which identifies who legally can sign documents. - Due Diligence Vendor-12/31/2025 |  | Resolved-Purchase Contract is not partially provided. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856998 | xxxxxx D A C | Closed | xxxxxx | 2025-12-30 16:02 | 2026-01-15 07:27 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC for 2nd Appraisal. Finding Resolved. - Due Diligence Vendor-01/15/2026 <br> Counter-No new document attached in uploads as noted by originator. - Due Diligence Vendor-01/09/2026 <br> Counter-----Initial LE has been received. the Finding for the 0% tolerance has changed to $525.00 for the 2nd appraisal without a COC. Finding Remains. - Due Diligence Vendor-01/08/2026 <br> Open-----Zero (0%) tolerance fees increased by $525.00 (2nd Appraisal) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $525.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-01/06/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,553.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $2,553.00 (Application Fee ,2nd Appraisal, Appraisal Fee ,Credit Report Fee ,Flood Certification - Single Charge or Life of Loan) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2,553, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-12/30/2025 |  | Resolved------Received COC for 2nd Appraisal. Finding Resolved. - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856998 | xxxxxx D A C | Closed | xxxxxx | 2025-12-31 08:43 | 2026-01-06 07:26 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-----Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/06/2026 <br> Open------Missing initial LE dated within 3 days or application date xxxxxx. Additional Findings may apply upon receipt. - Due Diligence Vendor-12/31/2025 |  | Resolved-----Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856998 | xxxxxx D A C | Closed | xxxxxx | 2025-12-30 16:02 | 2026-01-06 07:25 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/06/2026 <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% ($390.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ------Ten (10%) tolerance fees (Recording Fee) increased by $390.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $390.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - One year; expiration date is xxxxxx. - Due Diligence Vendor-12/30/2025 |  | Resolved-----Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856998 | xxxxxx D A C | Closed | xxxxxx | 2025-12-30 16:02 | 2026-01-06 07:25 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-----Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/06/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Initial LE xxxxxx not provided to borrower a minimum of 7 days prior to consummation xxxxxx counting all calendar days except Saturday (excluded for initial LE), Sunday and Federal Holidays. There is no obvious cure for this violation. statute of Limitations - 1 year, expiration date xxxxxx. Missing initial Le. Unable to determine. - Due Diligence Vendor-12/30/2025 |  | Resolved-----Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857000 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 11:06 | 2026-01-23 07:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the guides do not require a rent free letter. - Due Diligence Vendor-01/23/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter for B1. - Due Diligence Vendor-01/21/2026 |  | Resolved-After further review, the guides do not require a rent free letter. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857004 | xxxxxx C B A | Closed | xxxxxx | 2026-01-16 10:12 | 2026-01-30 14:19 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title update received. - Due Diligence Vendor-01/30/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Lender to provide evidence of sufficient title insurance for xxxxxx. Additional conditions may apply. - Due Diligence Vendor-01/16/2026 |  | Resolved-Title update received. - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759<br>LTV is less than guideline maximum - Required is 80 Borrower has 64.62<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.37 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857004 | xxxxxx C B A | Closed | xxxxxx | 2026-01-12 12:57 | 2026-01-12 12:57 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/12/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759<br>LTV is less than guideline maximum - Required is 80 Borrower has 64.62<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.37 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857004 | xxxxxx C B A | Closed | xxxxxx | 2026-01-12 12:57 | 2026-01-12 12:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/12/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759<br>LTV is less than guideline maximum - Required is 80 Borrower has 64.62<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.37 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857139 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857146 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 13:35 | 2026-01-28 15:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non-material finding with compensating factors. Exception for 10.61 months of reserves, 12 months required. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Seller-01/28/2026 <br> Counter-Provide exception request and client exception approval for reserves <12 months. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-please waive with compensating factors-<br>- Buyer-01/22/2026 <br> Open-Audited Reserves of 10.61 month(s) are less than Guideline Required Reserves of 12 month(s) Audited Reserves of 10.61 months are less than Guideline Required Reserves of 12 months. 12 months reserves required as LTV is > 85% - Due Diligence Vendor-01/16/2026 | Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required - Seller-01/28/2026 | Waived-Client waiver applied to non-material finding with compensating factors. Exception for 10.61 months of reserves, 12 months required. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.29 Required is 50 Borrower has 38.29 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857146 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 12:24 | 2026-01-28 15:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received updated 1003 with correct primary residence listed. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-n the loan file is the LOE from the borrower for his residential living situation. Attached is a copy of a quit claim deed confirming the property is not in the name of the borrower. Attached is a copy of the tax cert that verifies the borrower is not responsible for the taxes. We have to do a little backpedaling on this one. In speaking to the processor on this one I found out that the 1003 was changed with incorrect information. The borrower did not live with his mother he only had his mail delivered to her address. I corrected the 1003 to reflect this. I have attached the new 1003 along with the xxxxxx mtg stmt again, HOA letter to see we have the verification of his primary residence. Also the xxxxxx is reflected on his credit report. the mtg stmt reflect the Sept and Oct mtg payments made - nothing currently due and that the payment is PITI. Pleas see the credit report for the mortgage. - Seller-01/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Final 1003 reflects Brws primary residence for the last 5 years was xxxxxx and Brw had no primary housing expenses. This property is reflected as being owned by Brw on final loan app but LOE states this property does not belong to the Brw and is owned free and clear by his mother. Brw has no ownership interest in that property. He uses that address as a mailing address, which is why he had it listed on the application.<br>Provide a rent free LOE for xxxxxx. to document Brw has not had any housing expenses for the last 12 months. - Due Diligence Vendor-01/16/2026 | Ready for Review-n the loan file is the LOE from the borrower for his residential living situation. Attached is a copy of a quit claim deed confirming the property is not in the name of the borrower. Attached is a copy of the tax cert that verifies the borrower is not responsible for the taxes. We have to do a little backpedaling on this one. In speaking to the processor on this one I found out that the 1003 was changed with incorrect information. The borrower did not live with his mother he only had his mail delivered to her address. I corrected the 1003 to reflect this. I have attached the new 1003 along with the xxxxxx mtg stmt again, HOA letter to see we have the verification of his primary residence. Also the xxxxxx is reflected on his credit report. the mtg stmt reflect the Sept and Oct mtg payments made - nothing currently due and that the payment is PITI. Pleas see the credit report for the mortgage. - Seller-01/22/2026<br>| Resolved-Received updated 1003 with correct primary residence listed. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.29 Required is 50 Borrower has 38.29 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857146 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 13:46 | 2026-01-27 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-The updated 1003 was provided with the REO updated. - Due Diligence Vendor-01/27/2026 <br> Counter-Received corrected 1003 reflecting borrowers primary residence in xxxxxx. Document occupancy as business is located in xxxxxx. Additional documentation may apply - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Please see the other condition pertaining to the address - I had to correct the 1003 as the address was wrong. I also corrected the REO section which will clear this condition. - Seller-01/22/2026 <br> Open-Final 1003 reflects Brw owns xxxxxx. LOE from Brw, tax bill and deed confirm this property does not belong to the Brw and is owned by Family. Remove property from Section 3 - Schedule of Real Estate Owned - as the only retained REO should be xxxxxx. - Due Diligence Vendor-01/16/2026 | Ready for Review-Please see the other condition pertaining to the address - I had to correct the 1003 as the address was wrong. I also corrected the REO section which will clear this condition. - Seller-01/22/2026 | Resolved-The updated 1003 was provided with the REO updated. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.29 Required is 50 Borrower has 38.29 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857146 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 13:35 | 2026-01-22 13:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-The request for an exception for LTV is granted - Non Material, 5% LTV variance. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required - Buyer-01/22/2026 <br> Open-Audited LTV of 90% exceeds Guideline LTV of 85% State overlay for xxxxxx & properties located in declining markets:<br> Maximum LTV/CLTV limited to 85% for purchase - Due Diligence Vendor-01/16/2026 |  | Waived-The request for an exception for LTV is granted - Non Material, 5% LTV variance. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.29 Required is 50 Borrower has 38.29 | Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857148 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 14:09 | 2026-01-22 18:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Reserves exceed requirement by 2 months or more - Buyer-01/22/2026 <br> Counter-Audited DTI of 55.6% exceeds Guideline DTI of 50%; updated DTI with no expense factor per the xxxxxx guidelines. - Due Diligence Vendor-01/21/2026 <br> Open-Audited DTI of 61.74% exceeds Guideline DTI of 50%- excessive DTI due to lender did not apply borrowers primary rent expense of $5,000 a month. - Due Diligence Vendor-01/16/2026 |  | Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - 6.23 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 717; min score 680. Required is 660 Borrower has 717 | Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines / Compensating Factor 3 - Reserves exceed requirement by 2 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 857148 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 12:52 | 2026-01-22 13:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Does Not Meet Guideline Requirements Received Processor Cert and Lease to confirm payments. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Please see page 4 of the lease agreement, the highlighted section that reflects payments to be made to xxxxxx - xxxxxx - Buyer-01/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements - VOR must be verified by the xxxxxx and recorded as processor certification; xxxxxx must attest that they contacted the individual that completed the VOR and and verified the payment and rental information.<br> xxxxxx of 6 months provided from the xxxxxx acct xxxxxxxx- appears to have different name ; does not match the landlord. please provide letter of explanation who is xxxxxx on xxxxxx. Landlord on lease agreement is xxxxxx. and landlord is xxxxxx. - Due Diligence Vendor-01/16/2026 |  | Resolved-Housing History Does Not Meet Guideline Requirements Received Processor Cert and Lease to confirm payments. - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - 6.23 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 717; min score 680. Required is 660 Borrower has 717 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857148 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 12:52 | 2026-01-22 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-gap credit report uploaded <br> - Seller-01/22/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/16/2026 | Ready for Review-gap credit report uploaded <br> - Seller-01/22/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - 6.23 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 717; min score 680. Required is 660 Borrower has 717 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857148 | xxxxxx D B A | Closed | xxxxxx | 2026-01-12 12:32 | 2026-01-22 13:38 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '0' Diligence value '12'. Received Prepayment Addendum to Note. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-12 months 5% Fixed prepayment penalty is correct. PPP addendum to note uploaded to confirm <br> - Seller-01/22/2026 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '0' Diligence value '12'. PPP ON TAPE 0. and PPP addendum is 12 mos. - Due Diligence Vendor-01/12/2026 | Ready for Review-12 months 5% Fixed prepayment penalty is correct. PPP addendum to note uploaded to confirm <br> - Seller-01/22/2026<br>| Resolved-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '0' Diligence value '12'. Received Prepayment Addendum to Note. - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - 6.23 months PITIA reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 717; min score 680. Required is 660 Borrower has 717 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857152 | xxxxxx B A | Closed | xxxxxx | 2026-01-23 08:59 | 2026-01-23 09:05 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 54.11 Required is 75 Borrower has 54.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 790 Required is 740 Borrower has 790 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857152 | xxxxxx B A | Closed | xxxxxx | 2026-01-23 08:59 | 2026-01-23 08:59 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 54.11 Required is 75 Borrower has 54.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 790 Required is 740 Borrower has 790 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857163 | xxxxxx D B A | Closed | xxxxxx | 2026-01-23 09:33 | 2026-01-23 13:58 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Waived-Originator exception granted to allow 12 months personal bank statements with no business account . Non-material waiver applied with comp factors. Deemed non-material due to established business over 20 years - Due Diligence Vendor-01/23/2026 <br>Open-Borrower 1 Business Bank Statements Missing Borrower is using personal bank statements to qualify, which requires two months business statements to support. Borrower<br> does not have a business account - Due Diligence Vendor-01/23/2026 |  | Waived-Originator exception granted to allow 12 months personal bank statements with no business account . Non-material waiver applied with comp factors. Deemed non-material due to established business over 20 years - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 735<br>LTV is less than guideline maximum - Required is 80 Borrower has 50.56 | Reserves 12+ months<br> FICO > 10 points above the min required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 857189 | xxxxxx D A | Closed | xxxxxx | 2026-01-14 11:50 | 2026-02-10 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-02/10/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-01/14/2026 |  | Resolved-Received Gap report. - Due Diligence Vendor-02/10/2026<br>| Months Reserves exceed minimum required - Min 6, actual 41.99 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857189 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 15:36 | 2026-02-10 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-02/10/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/13/2026 |  | Resolved-Received Gap report. - Due Diligence Vendor-02/10/2026<br>| Months Reserves exceed minimum required - Min 6, actual 41.99 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857189 | xxxxxx D A | Closed | xxxxxx | 2026-01-14 11:52 | 2026-01-21 10:50 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received UW Cert. - Due Diligence Vendor-01/21/2026 <br>Counter-Received Fraud Report. Missing documentation used to clear high alerts. - Due Diligence Vendor-01/16/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Only the borrowers' were checked on fraud report. Provide all interested parties search - Due Diligence Vendor-01/14/2026 |  | Resolved-Received UW Cert. - Due Diligence Vendor-01/21/2026<br>| Months Reserves exceed minimum required - Min 6, actual 41.99 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857189 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 14:49 | 2026-01-16 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Operating Agreement. - Due Diligence Vendor-02/10/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Not found in file. Cash out requires BP disclosure - Due Diligence Vendor-01/13/2026 |  | Resolved-Received Business Operating Agreement. - Due Diligence Vendor-02/10/2026<br>| Months Reserves exceed minimum required - Min 6, actual 41.99 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857204 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857222 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857236 | xxxxxx C A | Closed | xxxxxx | 2026-01-16 15:50 | 2026-01-30 07:57 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received COC for lock extension. Finding Resolved. - Due Diligence Vendor-01/30/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($6,618.42) does not exceed or equal the comparable sum of specific and non-specific lender credits ($7,664.22). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $7,664.22 to $6,618.42 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,045.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-01/16/2026 |  | Resolved-----Received COC for lock extension. Finding Resolved. - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Qualifying DTI 33.94%; max allowable 45%. Required is 45 Borrower has 34.01<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 805; guidelines require 700. Required is 700 Borrower has 805 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857236 | xxxxxx C A | Closed | xxxxxx | 2026-01-16 15:26 | 2026-01-30 07:53 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-01/30/2026 <br>Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-01/16/2026 |  | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Qualifying DTI 33.94%; max allowable 45%. Required is 45 Borrower has 34.01<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 805; guidelines require 700. Required is 700 Borrower has 805 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857309 | xxxxxx D A | Closed | xxxxxx | 2026-01-24 11:06 | 2026-02-03 07:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-02/03/2026 <br>Open-The Initial 1003 is Missing Missing Initial 1003 with MLO original signature. - Due Diligence Vendor-01/26/2026 |  | Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857322 | xxxxxx C A | Closed | xxxxxx | 2026-01-23 08:05 | 2026-01-30 14:25 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-CDA provided supporting value. - Due Diligence Vendor-01/30/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. An appraisal review fee was found on the CD however no valid CU, LCA, AVM or Desk Review found in file. - Due Diligence Vendor-01/23/2026 |  | Resolved-CDA provided supporting value. - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.72<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 68.23 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857323 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857344 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 09:46 | 2026-01-23 08:54 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD provided with a disbursement date of xxxxxx. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/23/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursed xxxxxx, policy dated after - Due Diligence Vendor-01/21/2026 |  | Resolved-PCCD provided with a disbursement date of xxxxxx. - Due Diligence Vendor-01/23/2026 | Credit history exceeds minimum required - MIn 12 months, actual 0x30x99<br>Months Reserves exceed minimum required - 19.65 mths reserves; 4 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857373 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 12:47 | 2026-01-28 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-After further review, a condo questionnaire is not required per guides. The condo warranty is in the loan file and indicates no pending litigation. - Due Diligence Vendor-01/28/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Additional findings may apply. - Due Diligence Vendor-01/23/2026 |  | Resolved-After further review, a condo questionnaire is not required per guides. The condo warranty is in the loan file and indicates no pending litigation. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $6,284.09 in residual income =/> 1.5 times $3,500 monthly residual income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857374 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857380 | xxxxxx C A | Closed | xxxxxx | 2026-01-09 06:56 | 2026-01-14 11:04 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Resolved-Received LOE for previous sale listing. - Due Diligence Vendor-01/14/2026 <br>Open-Loan does not meet guideline requirements for loans listed for sale. The subject was listed for sale and expired prior to Note date; however, the file is missing a LOE from the borrower as required per guidelines. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received LOE for previous sale listing. - Due Diligence Vendor-01/14/2026<br>| Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 6.1 months.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.93 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857380 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 16:06 | 2026-01-13 10:18 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-01/13/2026 <br>Open-Missing Approval/Underwriting Summary No 1008 or Loan Approval in file. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received 1008 - Due Diligence Vendor-01/13/2026<br>| Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 6.1 months.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.93 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857383 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857384 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857401 | xxxxxx D A | Closed | xxxxxx | 2026-01-14 10:26 | 2026-01-20 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/20/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Credit refresh is required no more than 10 days prior to loan closing or at any time after closing. - Due Diligence Vendor-01/14/2026 |  | Resolved-Received Gap Report. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.49 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857402 | xxxxxx C A | Closed | xxxxxx | 2026-01-28 13:02 | 2026-02-02 12:32 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Upon further review, the HOA questionnaire states the HOA filed small claims for xxxxxx units. - Due Diligence Vendor-02/02/2026 <br> Open-The condo project has pending litigation. Please provide details and attorney letter. - Due Diligence Vendor-01/28/2026 |  | Resolved-Upon further review, the HOA questionnaire states the HOA filed small claims for xxxxxx delinquent units. - Due Diligence Vendor-02/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.48 Required is 50 Borrower has 43.48<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 741 Required is 660 Borrower has 741 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857428 | xxxxxx B A | Closed | xxxxxx | 2026-01-23 10:59 | 2026-01-26 10:01 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 77.68<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.72<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857439 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 10:49 | 2026-01-30 08:10 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/30/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-01/21/2026 |  | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/30/2026 | CLTV is less than guidelines maximum - Required is 80 Borrower has 73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.63<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857446 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857448 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 12:04 | 2026-01-26 12:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Investor waiver applied to non-material finding with compensating factors. Exception in file for property having xxxxxx. xxxxxx are being used for personal use and are not income producing. - Due Diligence Vendor-02/10/2026 <br> Open-Per guidelines properties with agricultural features (e.g., vineyards, farms, ranches, orchards, equestrian facilities) are ineligible. Subject property has xxxxxx. - Due Diligence Vendor-01/26/2026 |  | Waived-Investor waiver applied to non-material finding with compensating factors. Exception in file for property having xxxxxx. xxxxxx are being used for personal use and are not income producing. - Due Diligence Vendor-02/10/2026 | Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 43.96 Required is 50 Borrower has 43.96<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 767 Required is 680 Borrower has 767 | Credit Score 30+ points > minimum required<br> Self-employed for > 10 years<br> Reserves exceed requirement by 6 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857448 | xxxxxx C B A | Closed | xxxxxx | 2026-01-20 11:21 | 2026-01-20 11:21 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/20/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/20/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 43.96 Required is 50 Borrower has 43.96<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 767 Required is 680 Borrower has 767 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857500 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-21 12:54 | 2026-02-02 17:15 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding.<br> - Due Diligence Vendor-01/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding.<br> - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.45<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857500 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-26 16:19 | 2026-02-02 12:32 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap report with no new inquiries since original credit report. - Due Diligence Vendor-02/02/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report December 29, 2025 is Expired (Greater than 10 days from Closing/Settlement Date) January 9, 2026. - Due Diligence Vendor-01/26/2026 |  | Resolved-Received Gap report with no new inquiries since original credit report. - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.45<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857500 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-26 15:18 | 2026-01-29 18:25 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-CU with acceptable score was provided. - Due Diligence Vendor-01/29/2026 <br>Counter-Received CU. Missing appraisal review. - Due Diligence Vendor-01/29/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-01/26/2026 |  | Resolved-CU with acceptable score was provided. - Due Diligence Vendor-01/29/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.45<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857500 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-26 16:37 | 2026-01-29 11:17 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller CD - Due Diligence Vendor-01/29/2026 <br>Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/26/2026 |  | Resolved-Received final seller CD - Due Diligence Vendor-01/29/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.45<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857545 | xxxxxx D A | Closed | xxxxxx | 2026-01-21 12:41 | 2026-01-28 11:47 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/26/2026 <br> Counter-P&L signed by a xxxxxx provided, however we are missing the xxxxxx letter confirming years the business has been existence, % of ownership and knowledge of the business. - Due Diligence Vendor-01/26/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income documentation CPA and evidence of over 2 yrs self employment history. and P&L has to be provided by tax preparer. - Due Diligence Vendor-01/21/2026 |  | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - DTI 42.54% max 50%. Required is 50 Borrower has 42.54<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 746; minimum score 680 Required is 680 Borrower has 746 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857545 | xxxxxx D A | Closed | xxxxxx | 2026-01-21 18:20 | 2026-01-28 11:47 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Counter-P&L signed by a xxxxxx provided, however we are missing the xxxxxx letter confirming years the business has been existence, % of ownership and knowledge of the business. - Due Diligence Vendor-01/26/2026 <br> Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - DTI 42.54% max 50%. Required is 50 Borrower has 42.54<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 746; minimum score 680 Required is 680 Borrower has 746 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857545 | xxxxxx D A | Closed | xxxxxx | 2026-01-21 11:55 | 2026-01-28 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Counter-P&L signed by a xxxxxx provided, however we are missing the xxxxxx letter confirming years the business has been existence, % of ownership and knowledge of the business. - Due Diligence Vendor-01/26/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing P&L Provided appears prepared by borrower an another person ; per guides- . The Profit & Loss Statement (P&L) must be prepared by an individual with knowledge of the business sufficient to <br> review or prepare a P&L Statement. Examples are 3rd party Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer, or a Tax Attorney. PTIN is not allowed - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - DTI 42.54% max 50%. Required is 50 Borrower has 42.54<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 746; minimum score 680 Required is 680 Borrower has 746 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857545 | xxxxxx D A | Closed | xxxxxx | 2026-01-21 11:55 | 2026-01-28 11:45 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/26/2026 <br> Counter-P&L signed by a xxxxxx provided, however we are missing the xxxxxx letter confirming years the business has been existence, % of ownership and knowledge of the business. - Due Diligence Vendor-01/26/2026 <br> Open-Income and Employment Do Not Meet Guidelines P&L Provided appears prepared by borrower an another person ; per guides- . The Profit & Loss Statement (P&L) must be prepared by an individual with knowledge of the business sufficient to <br> review or prepare a P&L Statement. Examples are 3rd party Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer, or a Tax Attorney. PTIN is not allowed - Due Diligence Vendor-01/21/2026 |  | Resolved-Received Tax Preparer Letter. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - DTI 42.54% max 50%. Required is 50 Borrower has 42.54<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 746; minimum score 680 Required is 680 Borrower has 746 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857545 | xxxxxx D A | Closed | xxxxxx | 2026-01-21 12:38 | 2026-01-26 11:06 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-01/26/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements missing net proceeds from sale of current primary and missing CD netting xxxxxx; Missing EMS total $4,000. - Due Diligence Vendor-01/21/2026 |  | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - DTI 42.54% max 50%. Required is 50 Borrower has 42.54<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 746; minimum score 680 Required is 680 Borrower has 746 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857545 | xxxxxx D A | Closed | xxxxxx | 2026-01-21 12:35 | 2026-01-26 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received SAM.gov - Due Diligence Vendor-01/26/2026 <br> Open-Fraud Report Shows Uncleared Alerts - xxxxxx - Due Diligence Vendor-01/21/2026 |  | Resolved-Received SAM.gov - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - DTI 42.54% max 50%. Required is 50 Borrower has 42.54<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 746; minimum score 680 Required is 680 Borrower has 746 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857564 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-26 12:26 | 2026-02-03 10:09 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-02/03/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-01/26/2026 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.68%; max allowable 50%. Required is 50 Borrower has 27.88<br>LTV is less than guideline maximum - LTV 60%. Allowed LTV 80% Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 762; guidelines require 720. Required is 700 Borrower has 762 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857564 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-26 12:26 | 2026-02-03 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-02/03/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. HOA Questionnaire Document is Missing. - Due Diligence Vendor-01/26/2026 |  | Resolved-Received HOA questionnaire. - Due Diligence Vendor-02/03/2026<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.68%; max allowable 50%. Required is 50 Borrower has 27.88<br>LTV is less than guideline maximum - LTV 60%. Allowed LTV 80% Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 762; guidelines require 720. Required is 700 Borrower has 762 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857564 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-21 12:44 | 2026-01-21 12:44 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.68%; max allowable 50%. Required is 50 Borrower has 27.88<br>LTV is less than guideline maximum - LTV 60%. Allowed LTV 80% Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 762; guidelines require 720. Required is 700 Borrower has 762 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857570 | xxxxxx D A C | Closed | xxxxxx | 2026-01-27 08:14 | 2026-01-30 13:21 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected final 1003 - Due Diligence Vendor-01/30/2026 <br>Open-Missing a 2 year housing history on the initial and final 1003. - Due Diligence Vendor-01/27/2026 |  | Resolved-Received corrected final 1003 - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.17<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857570 | xxxxxx D A C | Closed | xxxxxx | 2026-01-21 10:14 | 2026-01-28 09:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-01/28/2026 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-01/21/2026 |  | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.17<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857584 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857652 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857689 | xxxxxx B A | Closed | xxxxxx | 2026-01-11 09:49 | 2026-01-12 08:06 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-01/11/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-01/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767<br>LTV is less than guideline maximum - Required is 80 Borrower has 72.73 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857690 | xxxxxx D A | Closed | xxxxxx | 2026-01-15 13:17 | 2026-01-28 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property report, 1003, and 1008 provided; Borrower is not responsible for this property. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/27/2026 <br> Counter-Documentation was not attached. - Due Diligence Vendor-01/27/2026 <br> Counter-Received property profile. Noted property is listed on final 1003. Missing HOI for noted property. - Due Diligence Vendor-01/22/2026 <br> Open-Missing proof of HOI amount for REO (xxxxxx) located at xxxxxx. - Due Diligence Vendor-01/15/2026 |  | Resolved-Property report, 1003, and 1008 provided; Borrower is not responsible for this property. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 809 Required is 640 Borrower has 809<br>Qualifying DTI below maximum allowed - DTI below max allowable Required is 50 Borrower has 38.33 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857707 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857717 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-13 17:39 | 2026-02-02 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Underwriter Certification addressing high alerts. - Due Diligence Vendor-02/02/2026 <br> Counter-Received duplicate documentation. Provide Clear High Alerts on page 2 or report. Narrative will be acceptable. - Due Diligence Vendor-01/30/2026 <br> Counter-Received fraud report and OFAC clearance for Title. Missing clearance for high risks. - Due Diligence Vendor-01/29/2026 <br> Counter-Client comments - xxxxxx Team, could you please confirm and clarify the specific alert that you've mentioned? - AUDIT Response - Income, Identity, Third Party - Due Diligence Vendor-01/26/2026 <br> Counter-Fraud report provided, however there are Alerts that have not been cleared. - Due Diligence Vendor-01/21/2026 <br> Open-Missing Third Party Fraud Report. Additional conditions may apply - Due Diligence Vendor-01/14/2026 |  | Resolved-Received Underwriter Certification addressing high alerts. - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.59 Required is 50 Borrower has 27.59<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 Required is 660 Borrower has 684 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857717 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-10 20:09 | 2026-01-26 07:38 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/26/2026 <br> Counter-----COC dated xxxxxx references Loan Amount Change and decrease to lender credit. The next CD in file is the Final Dated xxxxxx which is 4 days after the COC. Need CD for COC dated xxxxxx. - Due Diligence Vendor-01/22/2026 <br> Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). -----Provide Closing Disclosure withing 3 days of COC xxxxxx - Due Diligence Vendor-01/11/2026 |  | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/26/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.59 Required is 50 Borrower has 27.59<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 Required is 660 Borrower has 684 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857717 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-10 19:00 | 2026-01-20 10:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal - Due Diligence Vendor-01/20/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Ex A; Legal - Due Diligence Vendor-01/14/2026 |  | Resolved-Received Legal - Due Diligence Vendor-01/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.59 Required is 50 Borrower has 27.59<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 Required is 660 Borrower has 684 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857717 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-10 19:38 | 2026-01-10 19:38 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----ROR Form H9 is acceptable in place of H8 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/11/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----ROR Form H9 is acceptable in place of H8 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/11/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.59 Required is 50 Borrower has 27.59<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 Required is 660 Borrower has 684 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 857719 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857759 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857813 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857890 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857897 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857902 | xxxxxx B A | Closed | xxxxxx | 2026-01-16 20:09 | 2026-01-23 10:49 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008. - Due Diligence Vendor-01/23/2026 <br>Open-Missing Approval/Underwriting Summary Missing 1008 or loan approval for transaction. - Due Diligence Vendor-01/17/2026 |  | Resolved-Received 1008. - Due Diligence Vendor-01/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.2<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857903 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857905 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857914 | xxxxxx B A | Closed | xxxxxx | 2026-01-23 11:31 | 2026-01-23 13:19 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/23/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-01/23/2026<br>| LTV is less than guideline maximum - LTV 50%. Allowed LTV 70%. Required is 70 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 706; guidelines require 660. Required is 660 Borrower has 706 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857917 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 10:19 | 2026-01-29 07:24 | Resolved | 1 - Information C A | Compliance | Disclosure | Incorrect ROR Form Type selected | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/29/2026 <br> Open-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). per title & ROR - Due Diligence Vendor-01/20/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/29/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.89<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857925 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857973 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858038 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 09:50 | 2026-01-30 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Attestation. No HOA. - Due Diligence Vendor-01/30/2026 <br> Open-Missing proof or attestation that there is no HOA for the following properties listed on the URLA: xxxxxx - Due Diligence Vendor-01/28/2026 |  | Resolved-Received Attestation. No HOA. - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.2<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858038 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 10:26 | 2026-01-30 12:59 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received documentation to support both properties have sold. - Due Diligence Vendor-01/30/2026 <br> Open-Please provide evidence the borrower no longer owns the properties listed as xxxxxx on the URLA. Additional conditions may apply. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received documentation to support both properties have sold. - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.2<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858086 | xxxxxx B A | Closed | xxxxxx | 2026-01-23 14:18 | 2026-01-26 03:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858094 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858101 | xxxxxx D A | Closed | xxxxxx | 2026-01-26 13:30 | 2026-01-28 16:32 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received escrow receipt of gift. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Uploaded. Gift receipt. - Seller-01/27/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing proof of gift at closing - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. Uploaded. Gift receipt. - Seller-01/27/2026<br>| Resolved-Received escrow receipt of gift. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.64 Required is 49.99 Borrower has 25.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 735 Required is 680 Borrower has 735 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858101 | xxxxxx D A | Closed | xxxxxx | 2026-01-26 13:24 | 2026-01-28 16:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Uploaded. xxxxxx Credit Report. - Seller-01/26/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. Uploaded. xxxxxx Credit Report. - Seller-01/26/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.64 Required is 49.99 Borrower has 25.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 735 Required is 680 Borrower has 735 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858102 | xxxxxx B A | Closed | xxxxxx | 2026-01-09 11:46 | 2026-01-09 12:48 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-01/09/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745 Required is 660 Borrower has 745<br>Verified employment history exceeds guidelines - Borrower has been self employed for 9+ years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 858103 | xxxxxx D B A | Closed | xxxxxx | 2026-01-21 07:04 | 2026-01-23 18:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Uploaded. See xxxxxx Credit Report. - Seller-01/22/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. Uploaded. See xxxxxx Credit Report. - Seller-01/22/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 697<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 5.04<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858103 | xxxxxx D B A | Closed | xxxxxx | 2026-01-13 11:11 | 2026-01-13 11:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 697<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 5.04<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 858107 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858112 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 15:37 | 2026-01-15 07:59 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Per xxxxxx real estate website the appraiser was licensed. - Due Diligence Vendor-01/15/2026 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-01/13/2026 |  | Resolved-Per xxxxxx real estate website the appraiser was licensed. - Due Diligence Vendor-01/15/2026 | Months Reserves exceed minimum required - 71.04 mos reserves; 4 mos required<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 22.77 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858112 | xxxxxx C B A | Closed | xxxxxx | 2026-01-12 15:27 | 2026-01-13 06:48 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-01/12/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-01/12/2026<br>| Months Reserves exceed minimum required - 71.04 mos reserves; 4 mos required<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 22.77 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 858113 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 19:07 | 2026-01-22 16:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Uploaded. xxxxxx Credit Report. - Seller-01/20/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. Uploaded. xxxxxx Credit Report. - Seller-01/20/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-01/22/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.25 Required is 49.99 Borrower has 43.25<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731 Required is 660 Borrower has 731 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858113 | xxxxxx D B A | Closed | xxxxxx | 2026-01-14 08:05 | 2026-01-14 08:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-01/14/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-01/14/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.25 Required is 49.99 Borrower has 43.25<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731 Required is 660 Borrower has 731 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 858114 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858130 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858155 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858165 | xxxxxx D A | Closed | xxxxxx | 2026-01-22 19:04 | 2026-01-27 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Management approval. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Uploaded. See xxxxxx letter approval. - Seller-01/24/2026 <br> Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides xxxxxx 10/15/2025: xxxxxx® scores above 800 from xxxxxx require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. Uploaded. See xxxxxx letter approval. - Seller-01/24/2026<br>| Resolved-Received Management approval. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.47 Required is 49.99 Borrower has 28.47<br>Months Reserves exceed minimum required - 13.03 mos reserves. Per guides, 6 reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858166 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 23:19 | 2026-01-28 12:37 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-After further review, a duplicate debt was not excluded. DTI below 50%. - Due Diligence Vendor-01/28/2026 <br> Open-The Originator QM Status is not the same as the Final QM Status. Audit DTI 50.33% vs 1008 DTI 49.135%. Per guides TVOE 10/15/2025: Maximum DTI ratios are 49.99%. - Due Diligence Vendor-01/27/2026 |  | Resolved-After further review, a duplicate debt was not excluded. DTI below 50%. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 725<br>Months Reserves exceed minimum required - 120.45mos reserves. Per guides, no reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858166 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 23:25 | 2026-01-28 12:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, a duplicate debt was not excluded. DTI below 50%. - Due Diligence Vendor-01/28/2026 <br>Open-Audited DTI of 50.33% exceeds Guideline DTI of 49.99% Audit DTI 50.33% vs 1008 DTI 49.135%. Per guides TVOE 10/15/2025: Maximum DTI ratios are 49.99%. - Due Diligence Vendor-01/27/2026 |  | Resolved-After further review, a duplicate debt was not excluded. DTI below 50%. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 725<br>Months Reserves exceed minimum required - 120.45mos reserves. Per guides, no reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858166 | xxxxxx C B A | Closed | xxxxxx | 2026-01-27 16:16 | 2026-01-28 12:36 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, a duplicate debt was not excluded. DTI below 50%. - Due Diligence Vendor-01/28/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending DTI, Income and DTI issue, loan will not meet product guidelines with a 50% DTI. - Due Diligence Vendor-01/27/2026 |  | Resolved-After further review, a duplicate debt was not excluded. DTI below 50%. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 725<br>Months Reserves exceed minimum required - 120.45mos reserves. Per guides, no reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858166 | xxxxxx C B A | Closed | xxxxxx | 2026-01-15 15:05 | 2026-01-15 15:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/15/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 725<br>Months Reserves exceed minimum required - 120.45mos reserves. Per guides, no reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 858168 | xxxxxx D B A | Closed | xxxxxx | 2026-01-05 23:10 | 2026-02-10 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.8 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858168 | xxxxxx D B A | Closed | xxxxxx | 2025-12-31 11:51 | 2025-12-31 11:51 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/31/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.8 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 858171 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858368 | xxxxxx C A | Closed | xxxxxx | 2026-01-23 12:37 | 2026-01-28 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Final Seller CD. - Due Diligence Vendor-01/28/2026 <br>Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received Final Seller CD. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.33%; max allowable 50%. Required is 50 Borrower has 38.33<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 728; guidelines require 680. Required is 680 Borrower has 728 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858399 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858400 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858401 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858402 | xxxxxx C A | Closed | xxxxxx | 2026-01-25 11:11 | 2026-01-28 10:46 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Final SELLER CD/HUD . - Due Diligence Vendor-01/28/2026 <br>Open-The Final SELLER CD/HUD is missing. Missing from loan file - Due Diligence Vendor-01/25/2026 |  | Resolved-Received Final SELLER CD/HUD . - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.29<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858405 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 12:33 | 2026-01-14 07:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-01/14/2026 <br>Open-Right of Rescission is Missing -----Provide the executed Right of Recission. - Due Diligence Vendor-01/09/2026 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-01/14/2026<br>| Months Reserves exceed minimum required - 80.75mos reserves. Per guides, 4 reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 789 Required is 680 Borrower has 789 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858408 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 14:45 | 2026-01-23 08:36 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved------Client verified lender paid broker fee. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-This is lender paid compensation. Borrower did not pay for this. - Seller-01/22/2026 <br> Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-01/13/2026 | Ready for Review-This is lender paid compensation. Borrower did not pay for this. - Seller-01/22/2026<br>| Resolved------Client verified lender paid broker fee. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 766. Required is 680 Borrower has 766<br>Qualifying DTI below maximum allowed - Required is 49.99. Borrower has 34.4. Required is 49.99 Borrower has 34.4 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858408 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 13:32 | 2026-01-13 14:02 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 766. Required is 680 Borrower has 766<br>Qualifying DTI below maximum allowed - Required is 49.99. Borrower has 34.4. Required is 49.99 Borrower has 34.4 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 858411 | xxxxxx D B A | Closed | xxxxxx | 2026-01-16 10:18 | 2026-01-23 18:00 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Uploaded. xxxxxx Credit Report. - Seller-01/22/2026 <br> Counter-No document received. Please upload noted document. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Uploaded. xxxxxx Credit Report. - Seller-01/16/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Must be within 10 days prior or after note date - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Uploaded. xxxxxx Credit Report. - Seller-01/22/2026 <br>Ready for Review-Uploaded. xxxxxx Credit Report. - Seller-01/16/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.55 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858411 | xxxxxx D B A | Closed | xxxxxx | 2026-01-15 15:54 | 2026-01-20 16:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report Management Approval for Score above 800. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. Uploaded. See xxxxxx Letter approval. - Seller-01/16/2026 <br> Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides xxxxxx 10/15/25: xxxxxx® scores above 800 from xxxxxx require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Uploaded. See xxxxxx Letter approval. - Seller-01/16/2026<br>| Resolved-Received Fraud Report Management Approval for Score above 800. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.55 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858411 | xxxxxx D B A | Closed | xxxxxx | 2026-01-14 08:15 | 2026-01-14 08:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/14/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.55 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 858412 | xxxxxx B A | Closed | xxxxxx | 2026-01-16 06:47 | 2026-01-16 06:49 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.46<br>LTV is less than guideline maximum - Required is 75 Borrower has 61.29<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 697 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 858412 | xxxxxx B A | Closed | xxxxxx | 2026-01-15 14:07 | 2026-01-15 14:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/15/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.46<br>LTV is less than guideline maximum - Required is 75 Borrower has 61.29<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 697 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 858415 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 12:49 | 2026-01-27 16:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-LOE from Buyer and Seller confirm Purchase Price is Escrow Instructions. No EMD. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Also, please refer to pages 107-112. The LOX and related documents for this transaction have already been included. Please refer to them accordingly. - Seller-01/26/2026 <br> Ready for Review-This is a for-sale-by-owner transaction. There are no agents involved. Please use the escrow instructions as the purchase contract. - Seller-01/26/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing Purchase Contract. - Due Diligence Vendor-01/23/2026 | Ready for Review-Also, please refer to pages 107-112. The LOX and related documents for this transaction have already been included. Please refer to them accordingly. - Seller-01/26/2026 <br>Ready for Review-This is a for-sale-by-owner transaction. There are no agents involved. Please use the escrow instructions as the purchase contract. - Seller-01/26/2026<br>| Resolved-LOE from Buyer and Seller confirm Purchase Price is Escrow Instructions. No EMD. - Due Diligence Vendor-01/27/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.61 Required is 49.99 Borrower has 37.61<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727 Required is 680 Borrower has 727 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858601 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858607 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858610 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858933 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858934 | xxxxxx B A | Closed | xxxxxx | 2026-01-15 16:15 | 2026-01-15 16:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/15/2026<br>| Months Reserves exceed minimum required - Assets Required 4 Assets Verified 7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 859204 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 18:23 | 2026-01-28 10:44 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. The initial CD dated xxxxxx reflected a lender credit of $490.00 as per lock from xxxxxx. <br> We sent out a COC CD on xxxxxx for the change in pricing as the lock was updated to reflect non-warrantable condo, which affected pricing from lender credit of -.25% to discount point of .5%. The change in pricing/reduction in lender credit was disclosed to the borrower on COC & revised CD. <br> The doc CD dated xxxxxx reflects a lender cure of $421.95. This cure is for the Condo Docs Fee, which is a 0% tolerance fee that was not previously disclosed. <br> No additional lender cure is required. <br> - Seller-01/26/2026 <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 ($421.95) does not exceed or equal the comparable sum of specific and non-specific lender credits ($490.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $490.00 to $421.95without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $68.05, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. The initial CD dated xxxxxx reflected a lender credit of $490.00 as per lock from xxxxxx. <br> We sent out a COC CD on xxxxxx for the change in pricing as the lock was updated to reflect non-warrantable condo, which affected pricing from lender credit of -.25% to discount point of .5%. The change in pricing/reduction in lender credit was disclosed to the borrower on COC & revised CD. <br> The doc CD dated xxxxxx reflects a lender cure of $421.95. This cure is for the Condo Docs Fee, which is a 0% tolerance fee that was not previously disclosed. <br> No additional lender cure is required. <br> - Seller-01/26/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.56 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859204 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 18:23 | 2026-01-28 10:44 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. The initial CD dated xxxxxx reflected a lender credit of $490.00 as per lock from xxxxxx. <br> We sent out a COC CD on xxxxxx for the change in pricing as the lock was updated to reflect non-warrantable condo, which affected pricing from lender credit of -.25% to discount point of .5%. The change in pricing/reduction in lender credit was disclosed to the borrower on COC & revised CD. <br> The doc CD dated xxxxxx reflects a lender cure of $421.95. This cure is for the Condo Docs Fee, which is a 0% tolerance fee that was not previously disclosed. <br> No additional lender cure is required. <br> - Seller-01/26/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $421.95.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $421.95 (condo docs) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $421.95, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. The initial CD dated xxxxxx reflected a lender credit of $490.00 as per lock from xxxxxx. <br> We sent out a COC CD on xxxxxx for the change in pricing as the lock was updated to reflect non-warrantable condo, which affected pricing from lender credit of -.25% to discount point of .5%. The change in pricing/reduction in lender credit was disclosed to the borrower on COC & revised CD. <br> The doc CD dated xxxxxx reflects a lender cure of $421.95. This cure is for the Condo Docs Fee, which is a 0% tolerance fee that was not previously disclosed. <br> No additional lender cure is required. <br> - Seller-01/26/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.56 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859205 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 17:46 | 2026-01-30 08:39 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved------Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-See page 2 of the rate lock that was uploaded on xxxxxx; LE is dated xxxxxx - Seller-01/29/2026 <br> Counter-----Received Copy of Rate Lock showing lock on xxxxxx, next CD in file is xxxxxx, which is more than 3 days from lock. We need a copy of the LE or CD dated within 3 days of the lock on xxxxxx. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/28/2026 <br> Counter-----Received Lock Confirmation and COC. Need copy of LE or CD dated within 3 days of Lock. Finding Remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, xxxxxx, xxxxxx, xxxxxx and xxxxxx. -----Please provide a Le dated within 3 days of days after the interest rate was locked. - Due Diligence Vendor-01/22/2026 | Ready for Review-See page 2 of the rate lock that was uploaded on xxxxxx; LE is dated xxxxxx - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 | Resolved------Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-01/30/2026 | Months Reserves exceed minimum required - Months Reserves 7.49 exceed minimum required 0<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859205 | xxxxxx C A | Closed | xxxxxx | 2026-01-26 14:14 | 2026-01-28 15:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review, the loan file contained all required FICO requirements. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-The required FICO for the 12 Month VOE is 680 and the borrower is 686 - Seller-01/27/2026 <br> Open-Audited FICO of 686 is less than Guideline FICO of 720 - Due Diligence Vendor-01/26/2026 | Ready for Review-The required FICO for the 12 Month VOE is 680 and the borrower is 686 - Seller-01/27/2026<br>| Resolved-Upon further review, the loan file contained all required FICO requirements. - Due Diligence Vendor-01/28/2026<br>| Months Reserves exceed minimum required - Months Reserves 7.49 exceed minimum required 0<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859205 | xxxxxx C A | Closed | xxxxxx | 2026-01-26 14:11 | 2026-01-28 15:24 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-LOX is not required borrower meets guidelines - Seller-01/27/2026 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-01/26/2026 | Ready for Review-LOX is not required borrower meets guidelines - Seller-01/27/2026<br>| Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-01/28/2026<br>| Months Reserves exceed minimum required - Months Reserves 7.49 exceed minimum required 0<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011612 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 15:39 | 2026-01-14 08:19 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received evidence of receipt. Finding resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please find proof of final le delivery and acknowledgement - Seller-01/12/2026 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ------Provide borrower acknowledgement of LE issued xxxxxx. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Please find proof of final le delivery and acknowledgement - Seller-01/12/2026<br>| Resolved-Received evidence of receipt. Finding resolved. - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 680, client 772<br>CLTV is less than guidelines maximum - Maximum CLTV is 90%, borrowers is 61.04% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011612 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 15:39 | 2026-01-14 08:18 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received evidence of delivery. Finding resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. please find copy of initial cd, delivery and acknowledgement proof. xxxxxx. - Seller-01/12/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -----Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. please find copy of initial cd, delivery and acknowledgement proof. xxxxxx. - Seller-01/12/2026<br>| Resolved-Received evidence of delivery. Finding resolved. - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 680, client 772<br>CLTV is less than guidelines maximum - Maximum CLTV is 90%, borrowers is 61.04% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011612 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 15:39 | 2026-01-14 08:17 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. See COC for decreased lender portion of transfer tax due to lowered loan amount. xxxxxx. - Seller-01/12/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,020.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,282.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $1,282.50 to $1,020.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $262.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. See COC for decreased lender portion of transfer tax due to lowered loan amount. xxxxxx. - Seller-01/12/2026<br>| Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 680, client 772<br>CLTV is less than guidelines maximum - Maximum CLTV is 90%, borrowers is 61.04% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011612 | xxxxxx C B A | Closed | xxxxxx | 2025-12-30 09:08 | 2025-12-30 09:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-12/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 680, client 772<br>CLTV is less than guidelines maximum - Maximum CLTV is 90%, borrowers is 61.04% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011612 | xxxxxx C B A | Closed | xxxxxx | 2025-12-30 09:08 | 2025-12-30 09:30 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-12/30/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 680, client 772<br>CLTV is less than guidelines maximum - Maximum CLTV is 90%, borrowers is 61.04% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011614 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2000011617 | xxxxxx C B A | Closed | xxxxxx | 2025-12-31 20:32 | 2026-01-28 14:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved--Clarification provided to guideline and matrix to be used. Loan amount is within guideline allowable loan limit. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Closed-End Second Guidelines: Ln Amt Min is $50,000. - Due Diligence Vendor-01/05/2026 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $75000 , exception was not provided - Due Diligence Vendor-01/02/2026 |  | Resolved--Clarification provided to guideline and matrix to be used. Loan amount is within guideline allowable loan limit. - Due Diligence Vendor-01/28/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x67 On time mortgage history exceeds guideline requirement 0x30x12<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 736 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011617 | xxxxxx C B A | Closed | xxxxxx | 2025-12-30 11:06 | 2026-01-05 14:51 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.166% is within allowable threshold of APOR of 6.63% + 3.75% or 10.38%. - Due Diligence Vendor-01/06/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.166% is within allowable threshold of APOR of 6.63% + 3.75% or 10.38%. - Due Diligence Vendor-12/30/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.166% is within allowable threshold of APOR of 6.63% + 3.75% or 10.38%. - Due Diligence Vendor-01/06/2026 | On time mortgage history exceeds guideline requirement - 0x30x67 On time mortgage history exceeds guideline requirement 0x30x12<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 736 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011617 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 15:41 | 2025-12-29 15:41 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x67 On time mortgage history exceeds guideline requirement 0x30x12<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 736 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 2000011617 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 15:41 | 2025-12-29 15:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x67 On time mortgage history exceeds guideline requirement 0x30x12<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 736 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011622 | xxxxxx D A | Closed | xxxxxx | 2025-12-24 12:08 | 2026-01-09 11:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received signed dated 1040s - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Signed 2024 returns. - Seller-01/07/2026 <br> Open-Borrower 1 Tax Returns Not Signed Provide signed 2024 Tax Returns - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Signed 2024 returns. - Seller-01/07/2026<br>| Resolved-Received signed dated 1040s - Due Diligence Vendor-01/09/2026<br>| CLTV is less than guidelines maximum - 80% LTV and can go up to 85% LTV.<br>Additional assets not used to qualify - Additional assets provided that were not needed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011622 | xxxxxx D A | Closed | xxxxxx | 2025-12-24 13:54 | 2025-12-29 09:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-The complete fraud report has been provided. - Due Diligence Vendor-12/29/2025 <br>Open-Third Party Fraud Report Partially Provided Fraud report missing a portion of borrower information - Due Diligence Vendor-12/24/2025 |  | Resolved-The complete fraud report has been provided. - Due Diligence Vendor-12/29/2025<br>| CLTV is less than guidelines maximum - 80% LTV and can go up to 85% LTV.<br>Additional assets not used to qualify - Additional assets provided that were not needed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011635 | xxxxxx B A | Closed | xxxxxx | 2026-01-21 12:40 | 2026-01-21 12:40 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 701 > 640 required<br>Qualifying DTI below maximum allowed - 16% < 50% allowed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011648 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011649 | xxxxxx B A | Closed | xxxxxx | 2026-01-07 12:00 | 2026-01-07 12:42 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing --Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/07/2026 |  | Waived-Required Affiliated Business Disclosure Missing --Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 798. Required is 680 Borrower has 798<br>CLTV is less than guidelines maximum - Required is 90. Borrower has 69.92. Required is 90 Borrower has 69.92 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011671 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011692 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.17

**EXHIBIT 99.17**

**CLARIFII RATING AGENCY GRADES SUMMARY REPORT**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 844196 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845977 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 847533 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847737 | xxxxxx | xxxxxx D | N/A D | N/A C | N/A C D | N/A D | N/A | N/A | N/A | N/A |
| 847879 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848330 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848397 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848494 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848536 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848661 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849042 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 849075 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849174 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849281 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849378 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849405 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 849507 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849557 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849558 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 849608 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 849625 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 849630 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849670 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849674 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 849726 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 849944 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 849957 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849980 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849983 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849992 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850174 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850177 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850235 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850451 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 850507 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A B | B | B |
| 850528 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850630 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 850688 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850691 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850724 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850836 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850848 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851013 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851030 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851165 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851174 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851184 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851192 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 851198 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851199 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851200 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 851201 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851223 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851225 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851228 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851251 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851263 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851266 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851267 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851271 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 851279 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851289 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851294 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851337 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851353 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851419 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851478 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851546 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 851554 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851599 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851601 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 851620 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851684 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851715 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851734 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 851796 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851800 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 851815 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851820 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 851821 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851830 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851841 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851855 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851894 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851939 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 851949 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851956 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851983 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 851993 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852036 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852105 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 852140 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852143 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 852146 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852151 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 852190 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852203 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A C D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 852208 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 852231 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852262 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852275 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852277 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852326 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852363 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A B | B | B |
| 852384 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 852389 | xxxxxx | xxxxxx C | C D | D C | C D | D B | B A | A | A B | B |
| 852454 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 852605 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 852754 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852771 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 852783 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 852803 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852808 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| 852812 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852813 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852918 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 852937 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 852964 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 852982 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853096 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 853114 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853209 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853211 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853222 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853226 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853295 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853376 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853405 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 853436 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853452 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 853477 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853487 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 853488 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 853516 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853547 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 853548 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 853572 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 853574 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853586 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853593 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853596 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853597 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853665 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 853674 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853679 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 853683 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853701 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853722 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853761 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 853769 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 853783 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 853790 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853821 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853841 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 853842 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 853899 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 853932 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 853954 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853976 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854018 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 854020 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854131 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854134 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 854146 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854164 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854185 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 854197 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854206 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854224 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854226 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854231 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 854250 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854263 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 854284 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 854291 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854298 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 854304 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854322 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 854340 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 854355 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 854365 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A |
| 854368 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 854463 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854478 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854484 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854513 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854519 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854520 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 854533 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854547 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854548 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 854567 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854583 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854598 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 854606 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 854635 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854665 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 854671 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854757 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854798 | xxxxxx | xxxxxx A | A B | B C | C | C A | A B | B A | A B | B |
| 854814 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 854824 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854836 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 854848 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854850 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854851 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854858 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854862 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 854913 | xxxxxx | xxxxxx B | B | B A | A B | B A | A | A | A | A |
| 854934 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 854935 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854945 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 854949 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854956 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854969 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854982 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855011 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855015 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855041 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 855042 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 855049 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855051 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 855056 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855057 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 855101 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 855107 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855123 | xxxxxx | xxxxxx A | A D | D C | C D | D A | A | A | A | A |
| 855136 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855168 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 855169 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855175 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855179 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855237 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855255 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 855259 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 855297 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855313 | xxxxxx | xxxxxx A | A B | B C | C | C A | A B | B A | A B | B |
| 855323 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855324 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 855418 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 855420 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855422 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 855437 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855442 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855474 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855557 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 855579 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 855603 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855625 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 855631 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855636 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 855637 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855641 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855657 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855659 | xxxxxx | xxxxxx D | N/A D | N/A D C | N/A C D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 855660 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 855661 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 855662 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 855664 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 855675 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 855720 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855736 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 855758 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 855788 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 855790 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855794 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 855795 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 855797 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855807 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855812 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 855813 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856093 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856099 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 856100 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856104 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 856105 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 856136 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856234 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 856240 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856342 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856343 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856352 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 856358 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 856365 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 856371 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856377 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856383 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856384 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856407 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 856414 | xxxxxx | xxxxxx D | N/A D | N/A | N/A B D | N/A D | N/A | N/A | N/A B | N/A B |
| 856510 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 856518 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 856520 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 856523 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 856525 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 856536 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 856540 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 856551 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856565 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856568 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856577 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856583 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856585 | xxxxxx | xxxxxx B | N/A B C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 856592 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856618 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856627 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856629 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856638 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856651 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856666 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856667 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856668 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856673 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 856708 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 856717 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856726 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856738 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856741 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 856775 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856797 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 856799 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856810 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 856833 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 856838 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856840 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856846 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856847 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 856849 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856852 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 856854 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856856 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856857 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856858 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856879 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856909 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 856910 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 856916 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 856934 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 856947 | xxxxxx | xxxxxx A | A B | B C | C | C A | A B | B A | A B | B |
| 856949 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 856971 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856991 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 856996 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 856998 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 857000 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857004 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 857139 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857146 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 857148 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 857152 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 857163 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 857189 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857204 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857222 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857236 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 857309 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 857322 | xxxxxx | xxxxxx A | N/A | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 857323 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857344 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857373 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857374 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 857380 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857383 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857384 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857401 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857402 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857428 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 857439 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 857446 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857448 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 857500 | xxxxxx | xxxxxx C | C D | D C | C D | D A | A B | B A | A B | B |
| 857545 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857564 | xxxxxx | xxxxxx D | D B | B C | C D | D A | A B | B A | A B | B |
| 857570 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 857584 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857652 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 857689 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 857690 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857707 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857717 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 857719 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857759 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857813 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857890 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857897 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857902 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 857903 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857905 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857914 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 857917 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 857925 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857973 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858038 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858086 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 858094 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858101 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858102 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 858103 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 858107 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858112 | xxxxxx | xxxxxx A | A B | B C | C | C A | A B | B A | A B | B |
| 858113 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 858114 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858130 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 858155 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858165 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858166 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 858168 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 858171 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858368 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 858399 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858400 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858401 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858402 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 858405 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 858408 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 858411 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 858412 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 858415 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858601 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858607 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858610 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858933 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858934 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 859204 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 859205 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 2000011612 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 2000011614 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2000011617 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 2000011622 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 2000011635 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 2000011648 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011649 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 2000011671 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011692 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.18

**EXHIBIT 99.18**

**CLARIFII DATA COMPARE REPORT**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 851353 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 in file |
| 857759 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 859204 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per app |
| 851554 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 851734 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per legal docs |
| 852262 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 852363 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | additional borrower/ guarantor signed note first |
| 852937 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 856847 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 856858 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 858102 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 857759 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | per 1003 |
| 851734 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per legal docs |
| 852262 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 854519 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 856838 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 857383 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 857759 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 15000.00 | per 1003 |
| 849174 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 and documents in file |
| 852363 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | additional borrower/ guarantor signed note first |
| 857652 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | per 1003 |
| 851174 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.813 | 1 | Audit used PITIA / Market Rent, Lender Calculation not provided |
| 851184 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.767 | 0.78 | Audit used Higher HOA dues. |
| 851279 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.966 | 1.01 | market rent/PITIA, Lender calc. not provided |
| 852231 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.13 | 1.13725884309524 | lender used slightly higher estimate rent per DSCR calc sheet |
| 851200 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 851263 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 851267 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per HUD1 |
| 851279 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement |
| 852384 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final HUD in file |
| 853790 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 854463 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per settlement statement |
| 855641 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 858165 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 856365 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 858101 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD in file. |
| 858168 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Final CD |
| 858405 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD in file |
| 851184 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 117165.64 | -303735.13 | Per HUD |
| 851294 | xxxxxx | xxxxxx | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | 245902.2 | -246497.20 | Per Final HUD1 |
| 855011 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 855641 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 858165 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 855042 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 855625 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 855636 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 856365 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 856520 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per cd |
| 858101 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD in file. |
| 858102 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 858103 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 858107 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 858113 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 858168 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final Cd |
| 858405 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD in file |
| 858412 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per executed final CD |
| 858415 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD in file |
| 858933 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 844196 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851830 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per note |
| 852146 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 852151 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Executed Note |
| 852203 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 853452 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 853932 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 854814 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 856105 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859204 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per cd |
| 851353 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 in file |
| 857759 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 853586 | xxxxxx | xxxxxx | Interest Only Flag | notePage | No | Yes | Per executed note |
| 849558 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.5 | 8.2500 | Per Note |
| 851815 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.25 | 7.3750 | per note |
| 853679 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.75 | 0.0675 | Per Note. |
| 854757 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.75 | 6.5000 | As per note |
| 855101 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.125 | 8.2500 | Per Note |
| 857222 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.625 | 7.2500 | Per Note |
| 859204 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 11843.09 | 18.00 | per available assets |
| 859205 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 20449.38 | 52.00 | Per available assets |
| 849174 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 849992 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 850177 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 851601 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 851821 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 853211 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 853821 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 853954 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note in file |
| 854226 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note. |
| 856627 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per note |
| 856741 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 857925 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note and final CD |
| 857759 | xxxxxx | xxxxxx | Loan Origination Company | notePage | xxxxxx | xxxxxx | per note |
| 850691 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Borrowers not Foreign National |
| 855660 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per Client confirmed to use the Verus CES guides |
| 851353 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | per 1008/Loan Approval |
| 855659 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | As per note |
| 855660 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per note |
| 850630 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 858405 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per executed Note in file |
| 857428 | xxxxxx | xxxxxx | Note Type | notePage | Fixed | ARM | Fixed, closed-end lien per Note in file. |
| 848397 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 7 | 1 | Per appraisal |
| 853976 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 5 | Per Appraisal |
| 854824 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | Per appraisal |
| 856358 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | Per title/AVM |
| 850630 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | OwnerOccupied | Per 1003 |
| 851800 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 48 | 36 | Per Note in file |
| 854547 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 12 | 0 | Per PPP Addendum and Rider |
| 855056 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 12 | Per addendum to note in the file. |
| 851200 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | per appraisal |
| 851289 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Based on the Prior listing price |
| 849378 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 852783 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Address confirmed on note. |
| 854134 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per note |
| 854226 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per note |
| 854520 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 854548 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 854913 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 855041 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 855657 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Verified on note. |
| 856651 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 856879 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 857707 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per note |
| 854284 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | As per Note |
| 854583 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 856838 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 856840 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note in File |
| 847737 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 848397 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Mixed Use | Other | Per Appraisal |
| 849557 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Pud Rider. |
| 849983 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | per appraisal |
| 850507 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title |
| 850688 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal and title |
| 850691 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title and appraisal |
| 851263 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Attached | per appraisal |
| 851554 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 851820 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 851830 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 851841 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title |
| 851949 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 852036 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title |
| 852143 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 852151 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per DOT/appraisal |
| 852190 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Pud Rider |
| 852231 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 852277 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title, appraisal |
| 852384 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Two to Four Unit | Per Appraisal |
| 852982 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 853114 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title |
| 853295 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 853547 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per DOT title |
| 853665 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per 1008 |
| 854146 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 854226 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Townhouse per 1004 |
| 854304 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Detached condo per appraisal |
| 854463 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | PUD | Per appraisal report |
| 854583 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | per appraisal |
| 854824 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| 854858 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | As per Audit, Appraisal, etc |
| 854935 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 854945 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per appraisal |
| 854969 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 855015 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 855051 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per 1008 and DOT rider in file. |
| 855057 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 855107 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 855123 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal. |
| 855175 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 855313 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 855323 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | PUD per DOT and appraisal |
| 855324 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 855420 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Appraisal states PUD |
| 855437 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Appraisal confirms detached |
| 855557 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 855660 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, this is a PUD |
| 855664 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 855736 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title |
| 855758 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per appraisal |
| 856105 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Pud rider and 1008 |
| 856136 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal. |
| 856234 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per appraisal |
| 856358 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per AVM |
| 856510 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 856523 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 856551 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 856565 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 856577 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title, appraisal |
| 856618 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 856638 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 856708 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per 1008 |
| 856741 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 856797 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 856799 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 856847 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| 856856 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 856857 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 856947 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per 1008 and PUD rider to DOT. |
| 857146 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Verified on appraisal. |
| 857189 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 857323 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Appraisal confirms |
| 857344 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Appraisal |
| 857380 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| 857500 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title and appraisal |
| 857584 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title and rider in file |
| 857717 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per appraisal |
| 857903 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | From appraisal report - Site condo |
| 858155 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Attached | Per appraisal |
| 858171 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal, subj is located in PUD, PUD rider in file. |
| 858400 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Deed/Pud Rider/Appraisal Report |
| 858607 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Pud Rider. |
| 858610 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per title and Pud rider in file. |
| 854134 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | per note |
| 851279 | xxxxxx | xxxxxx | Qualifying Amortization Term | notePage | 0 | 480 | Per Note |
| 851289 | xxxxxx | xxxxxx | Qualifying Amortization Term | notePage | 0 | 480 | I/O Note |
| 851294 | xxxxxx | xxxxxx | Qualifying Amortization Term | notePage | 0 | 480 | per note |
| 849174 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 64.8 | 62.97 | audit CLTV match the 1008 |
| 849405 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 58.01 | 55.00 | Loan Amount/Purchase Price |
| 851841 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 67.9 | 68.12 | Loan Amount/Purchase Price |
| 853841 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 88.36 | 21.76 | 1st + 2nd Mortgages/Appraised Value |
| 854519 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 69.83 | 70.00 | CLTV matches 1008 |
| 855659 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 55.44 | 25.69 | CLTV matches 1008, lender using LTV from first lien |
| 855660 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 84.76 | 25.72 | per 1008 |
| 856358 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 88.59 | 13.10 | per 1008 |
| 856741 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 75 | 74.59 | Per 1008 |
| 857439 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 73 | 74.68 | audit matches 1008 |
| 849075 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 775 | 776 | per approval |
| 850528 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 796 | 795 | Per credit report. |
| 851030 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 731 | 734 | Per Credit report |
| 851174 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 812 | 807 | Per Credit Report |
| 853665 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 798 | 807 | Per Credit Report |
| 854548 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 737 | 736 | Primary Wage Earner Score used |
| 854851 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 808 | 807 | Per credit report |
| 855420 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 683 | 687 | Per Credit Report |
| 855557 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 806 | 810 | Per credit report |
| 857439 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 806 | 797 | per credit report |
| 849405 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 58.01 | 0.00 | Loan Amount/Purchase Price |
| 856523 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 78 | 0.00 | Per 1008 |
| 857448 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 80 | 0.00 | Per 1008 |
| 845977 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 64.38 | 65.00 | loan amount/appraisal value |
| 849174 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 64.8 | 62.97 | audit LTV match the 1008 |
| 849405 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 58.01 | 55.00 | Loan Amount/Purchase Price |
| 849992 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 69.12 | 70.00 | Audit LTV matches lenders per 1008 |
| 850177 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 78.73 | 78.51 | loan amount/appraisal value |
| 851601 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 55.33 | 58.51 | Per appraisal, matches 1008 |
| 851841 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 67.9 | 68.12 | Loan Amount/Purchase Price |
| 854519 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 69.83 | 70.00 | LTV matches 1008 |
| 856741 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 74.59 | Per 1008 |
| 857439 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 48.87 | 50.00 | audit matches 1008 |
| 850528 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.03 | 28.58 | Within 2% of Lender DTI on 1008. |
| 850630 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.67 | 22.64 | Variance due to Audit using lower primary |
| 850691 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 43.00 | DSCR loan per 1008/1003. |
| 852754 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.95 | 42.00 | Audit DTI matched 1008 in file. |
| 852918 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.15 | 44.99 | Audit calculated a lower income |
| 853096 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.57 | 38.04 | Audit DTI within 2% of Lender DTI on 1008 |
| 853211 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.13 | 45.45 | Lender added extra liability unaccounted for. |
| 853548 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.91 | 23.57 | Audit matches the 1008 |
| 853586 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.94 | 49.99 | Audit DTI w/in tolerance of lender's DTI per 1008 |
| 853665 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.92 | 46.44 | Audit DTI within 2% of Lender DTI on 1008 |
| 853674 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.08 | 8.68 | Audited DTI matches Final 1008 from lender. |
| 853841 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.46 | 38.86 | Audit excluded 30-Day Account |
| 854146 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.47 | 45.74 | Audit DTI within 2% of Lender DTI on 1008 |
| 854298 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.19 | 11.01 | DTI matches to 1008 provided |
| 854484 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.67 | 37.76 | Audit DTI matches Lender DTI on 1008 |
| 854519 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31 | 10.84 | Audit DTI matches lender/1008 in file. |
| 854548 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.95 | 32.35 | New debt reporting on the gap report. |
| 854567 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.75 | 49.86 | Audit DTI in line with Lender's DTI on 1008. |
| 854671 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.66 | 49.99 | Audit DTI in-line with 1008. |
| 854798 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.74 | 34.55 | Audit DTI within 1% of 1008 DTI |
| 854814 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.86 | 46.00 | auditor and 1008 matches DTI. |
| 854824 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.66 | 10.00 | Per 1008 |
| 854956 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.83 | 43.60 | Audit matches Lender's 1008 |
| 854969 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.98 | 29.04 | Due to lender including a debt that has not been verified |
| 855015 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.12 | 33.18 | Audit figures match 1003, unable to determine discrepancy. |
| 855041 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.65 | 21.86 | Audit matches Lender's 1008 |
| 855057 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.84 | 36.00 | Lender excluded the borrower's departing residence |
| 855107 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.21 | 46.96 | Lender did not capture Taxes and Insurance on Primary residence |
| 855136 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.28 | 28.24 | Lender is including a monthly payment on a debt that is being paid at close. |
| 855175 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.73 | 39.73 | Within 2% of Lender DTI on 1008. |
| 855313 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.58 | 33.72 | Audit income lower than lender |
| 855323 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.83 | 45.93 | Audit calculated higher taxes on primary home |
| 855442 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.65 | 49.00 | Audit DTI matches Lender's 1008 in file. |
| 855474 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.81 | 41.51 | Audited DTI matches 1008. |
| 855637 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.16 | 23.40 | Audit within 2% of the Lender's DTI |
| 855659 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.44 | 47.33 | DTI is within 2% from 1008. |
| 855661 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.36 | 21.52 | In line with 1008. |
| 855664 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 56.41 | 42.81 | B2 income could not be used |
| 855720 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.53 | 32.16 | Audit DTI matches Lender DTI on 1008 |
| 855794 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.54 | 29.14 | Audit within 2% of the Lender's 1008 |
| 856105 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.92 | 20.00 | DTI matches 1008 in file. |
| 856358 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.94 | 46.30 | Lender used higher PI for 1st mortgage and lower subject rental income. |
| 856414 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.56 | 39.15 | matches 1008 |
| 856523 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.5 | 31.44 | Matches 1008 |
| 856583 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.63 | 37.87 | Audited DTI is a match to lenders final 1008. |
| 856618 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.93 | 35.00 | Variance due to including departing residence |
| 856666 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.1 | 47.00 | Lender had additional income per 1008 that could not reconcile. |
| 856717 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.8 | 40.75 | Audit and 1008 match DTI |
| 856726 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.62 | 38.28 | Audited DTI matches lenders final 1008. |
| 856738 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.93 | 45.94 | Unable to determine difference due to Multiple income sources and Multiple REOs |
| 856741 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.88 | 46.01 | Lender did not include HOA fees for subject and includes unverified income |
| 856838 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.36 | 9.95 | Due to STR expense factor |
| 856840 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.65 | 15.39 | Variance due to lower rental amount |
| 856856 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.81 | 42.48 | Audit calculated higher debt |
| 857163 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.66 | 46.36 | Origination did not include the school taxes on the subject property |
| 857189 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.32 | 51.34 | Audit within 2% of the Lender's DTI on 1008 |
| 857500 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.45 | 13.89 | Audit DTI matches lenders per 1008 |
| 857545 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.54 | 23.99 | Matches 1008 |
| 857584 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.97 | 32.23 | Audit matched 1008 in file. |
| 857707 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.23 | 28.84 | Matches 1008 |
| 858130 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.62 | 13.70 | Lender counted taxes and insurance twice on the 1st mtg |
| 858934 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.87 | 44.85 | Used 1% of Deferred student loan debt - Lender excluded debt |
| 851201 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2249.14 | 2119.15 | include PUD HOA dues |
| 851279 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 14.19 | 13.00 | Per Final HUD-1 cash out eligible for reserves |
| 851949 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 3.6 | 20.00 | Per asset docs. |
| 852384 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 18.71 | 57.00 | Per asset documentation |
| 852813 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 11.2 | -42.00 | used cashout for reserves |
| 853790 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 29.87 | 0.00 | Reserves have been confirmed |
| 854463 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 12.67 | 228.00 | per bank statement |
| 857163 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 113.99 | 0.00 | per bank statements and cashout proceeds |
| 856741 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per final CD |
| 849405 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per HUD 1 Settlement Statement |
| 852964 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per purchase contract |
| 854226 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per sales contract |
| 852140 | xxxxxx | xxxxxx | Term | notePage | 480 | 360 | Per Note |
| 853586 | xxxxxx | xxxxxx | Term | notePage | 360 | 480 | Per Executed Note |
| 855659 | xxxxxx | xxxxxx | Term | notePage | 360 | 180 | As per note |
| 851949 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 16945.08 | 94612.41 | per bank statement |
| 854463 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 120187 | 264922.06 | per bank statement |
| 2000011692 | xxxxxx | xxxxxx | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Lock on xxxxxx |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**CLARIFII ATR QM REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 844196 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 845977 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847533 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 847737 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4075 | 9.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6150.48 | Yes | Employed |  | No |  | No |  |
| 847879 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 848330 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848397 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848494 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848536 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes |  |  |  |  | No |  | Yes | Present |
| 848661 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849042 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849075 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849174 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849281 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849378 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | 78638.93 | N/A | Employed |  | No |  | Yes | Present |
| 849405 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849507 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849557 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 849558 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849608 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 849625 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849630 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849670 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849674 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10050.13 | 7.251 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 8714.95 | N/A | Employed |  | No |  | No |  |
| 849726 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849944 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 6.875 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13161.5 | N/A | Employed |  | No |  | No |  |
| 849957 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849980 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849983 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 849992 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850174 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850177 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.305 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16601.41 | N/A | Employed | Employed | No | No | No |  |
| 850235 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 850451 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850507 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 850528 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 15051.64 | 7.338 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5509.77 | N/A | Employed | Employed | No | No | No |  |
| 850630 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 24148.13 | 9.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 239367.71 | Yes | Employed |  | No |  | No |  |
| 850688 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850691 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 850724 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850836 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850848 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851013 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851030 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851165 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851174 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851184 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 851192 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 851198 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 851199 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 851200 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851201 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 851223 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851225 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851228 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851251 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851263 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851266 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851267 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851271 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851279 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851289 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851294 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851337 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26331.21 | N/A | Employed |  | No |  | Yes | Present |
| 851353 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851419 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851478 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 851546 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851554 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 851599 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 851601 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14247.5 | 6.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6717.53 | N/A | Employed | Employed | No | No | No |  |
| 851620 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 851684 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851715 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851734 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 851796 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851800 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851815 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851820 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 851821 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851830 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 851841 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 851855 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851894 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851939 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851949 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851956 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 851983 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 851993 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 852036 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 852105 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8654.05 | 7.253 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2457.82 | Yes | Employed |  | No |  | No |  |
| 852140 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852143 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852146 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852151 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1619.98 | 6.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17745.44 | Yes | Employed |  | No |  | No |  |
| 852190 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852203 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2475 | 8.588 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3930.75 | Yes | Retired |  | No |  | No |  |
| 852208 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 852231 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 852262 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 852275 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852277 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 852326 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852363 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 852384 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852389 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 852454 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852605 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852754 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 15886.88 | 7.612 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4660.54 | N/A | Employed |  | No |  | No |  |
| 852771 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 16065 | 9.213 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21529.46 | N/A | Employed |  | No |  | No |  |
| 852783 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.514 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9627.21 | N/A | Not Employed | Employed | No | No | No |  |
| 852803 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852808 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2823 | 9.293 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5269.13 | N/A | Employed |  | No |  | No |  |
| 852812 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852813 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852918 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3285 | 9.152 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9157.09 | N/A | Employed |  | No |  | No |  |
| 852937 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2225 | 7.295 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5523.28 | N/A | Employed | Not Employed | No | No | No |  |
| 852964 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9881 | 7.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24499.57 | Yes | Employed |  | No |  | No |  |
| 852982 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 853096 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21875 | 7.315 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15515.54 | N/A | Employed |  | No |  | No |  |
| 853114 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 853209 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853211 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2655.92 | 7.306 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9267.99 | N/A | Employed |  | No |  | No |  |
| 853222 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853226 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 853295 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 853376 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853405 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.148 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29825.25 | N/A | Employed | Employed | No | No | No |  |
| 853436 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 853452 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2311.3 | 8.297 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2523.46 | Yes | Employed |  | No |  | No |  |
| 853477 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853487 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5324.38 | 7.952 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10277.81 | Yes | Employed | Employed | No | No | No |  |
| 853488 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 4252.75 | 9.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14187.15 | N/A | Employed | Employed | No | No | No |  |
| 853516 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 853547 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 19861.6 | 7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12302.46 | Yes | Employed |  | No |  | No |  |
| 853548 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5610 | 7.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9116.18 | N/A | Employed |  | No |  | No |  |
| 853572 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16797 | 7.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16804.53 | N/A | Employed |  | No |  | No |  |
| 853574 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4030 | 6.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11457.15 | Yes | Employed |  | No |  | No |  |
| 853586 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 6186.94 | 7.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8923 | Yes | Employed |  | No |  | No |  |
| 853593 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 853596 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853597 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 853665 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1640 | 6.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24034.94 | Yes | Retired |  | No |  | No |  |
| 853674 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1490 | 6.868 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 110521.12 | N/A | Employed | Not Employed | No | No | No |  |
| 853679 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853683 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853701 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853722 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9620 | 7.019 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36953.63 | N/A | Employed |  | No |  | No |  |
| 853761 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3429 | 8.71 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3965.19 | N/A | Employed |  | No |  | No |  |
| 853769 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 3850 | 7.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2577.93 | N/A | Employed |  | No |  | No |  |
| 853783 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7639 | 7.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37091.77 | Yes | Employed | Employed | No | No | No |  |
| 853790 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853821 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853841 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4352 | 10.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14973.02 | N/A | Employed |  | No |  | No |  |
| 853842 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853899 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 853932 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15146.23 | Yes | Retired | Not Employed | No | No | No |  |
| 853954 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13952.5 | 7.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12631.38 | N/A | Employed |  | No |  | No |  |
| 853976 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854018 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5279 | 7.518 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3687.02 | Yes | Employed |  | No |  | No |  |
| 854020 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 854131 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 6.892 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18569.41 | N/A | Employed |  | No |  | No |  |
| 854134 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.779 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23794.98 | N/A | Employed |  | No |  | No |  |
| 854146 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6545 | 6.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14587.87 | N/A | Employed | Not Employed | No | No | No |  |
| 854164 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3459.46 | 9.148 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 6747.85 | N/A | Employed | Employed | No | No | No |  |
| 854185 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854197 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854206 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4966.88 | 7.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7329.34 | N/A | Employed |  | No |  | No |  |
| 854224 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 7046.75 | 8.668 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8620.12 | N/A | Employed |  | No |  | No |  |
| 854226 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8267.22 | 6.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5518.73 | N/A | Employed |  | No |  | No |  |
| 854231 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10550 | 7.841 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20709.63 | N/A | Employed |  | No |  | No |  |
| 854250 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854263 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.911 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23943.8 | N/A | Employed | Employed | No | No | No |  |
| 854284 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4738.4 | 8.346 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4006.92 | Yes | Retired | Retired | No | No | No |  |
| 854291 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 854298 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12299.75 | 7.447 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13207.09 | Yes | Employed |  | No |  | No |  |
| 854304 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 29535 | 7.208 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20817.05 | Yes | Employed |  | No |  | No |  |
| 854322 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21115 | 6.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20378.53 | Yes | Employed |  | No |  | No |  |
| 854340 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7720 | 7.41 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27474.88 | N/A | Employed | Employed | No | No | No |  |
| 854355 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 150 | 6.935 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 195003.79 | N/A | Employed |  | No |  | No |  |
| 854365 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3182.25 | 8.074 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | N/A | Yes | N/A | 8022.33 | N/A | Employed |  | No |  | No |  |
| 854368 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 87374.23 | N/A | Employed |  | No |  | No |  |
| 854463 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 854478 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 41386.52 | N/A | Employed |  | No |  | Yes | Present |
| 854484 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11670 | 6.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11838.04 | N/A | Employed |  | No |  | No |  |
| 854513 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854519 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19375.99 | N/A | Employed |  | No |  | Yes | Present |
| 854520 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23976 | 7.593 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25823.93 | Yes | Employed |  | No |  | No |  |
| 854533 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9980 | 7.027 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10105.38 | N/A | Employed |  | No |  | No |  |
| 854547 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854548 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7362.5 | 7.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11612.52 | N/A | Not Employed | Employed | No | No | No |  |
| 854567 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2644 | 6.774 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22839.04 | N/A | Employed | Employed | No | No | No |  |
| 854583 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16455 | 7.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12213.21 | N/A | Employed |  | No |  | No |  |
| 854598 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10550 | 6.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59025.36 | Yes | Employed |  | No |  | No |  |
| 854606 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6322.34 | N/A | Employed |  | No |  | Yes | Present |
| 854635 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1275 | 6.927 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9251.64 | Yes | Employed |  | No |  | No |  |
| 854665 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4916.5 | 7.344 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6103.5 | N/A | Employed | Employed | No | No | No |  |
| 854671 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 6.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10931.64 | N/A | Employed |  | No |  | No |  |
| 854757 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854798 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17081 | 7.493 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16958.93 | Yes | Employed |  | No |  | No |  |
| 854814 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 19102 | 7.896 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9396.53 | Yes | Employed |  | No |  | No |  |
| 854824 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | 3140.66 | N/A | Employed |  | No |  | Yes | Present |
| 854836 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 20086 | 7.546 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25275.48 | Yes | Employed |  | No |  | No |  |
| 854848 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11739 | 7.128 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7870.8 | Yes | Employed | Not Employed | No | No | No |  |
| 854850 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854851 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 27344.59 | 7.315 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15742.11 | Yes | Employed | Employed | No | No | No |  |
| 854858 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2600 | 6.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22637.9 | N/A | Employed |  | No |  | No |  |
| 854862 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14280.16 | Yes | Employed |  | No |  | No |  |
| 854913 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 0 | 7.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17169.88 | Yes | Employed |  | No |  | No |  |
| 854934 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2751.82 | 9.338 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 27850.41 | N/A | Employed |  | No |  | No |  |
| 854935 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854945 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 6700 | 7.22 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11999.63 | Yes | Employed |  | No |  | No |  |
| 854949 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6762.5 | 7.047 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8862.12 | N/A | Employed |  | No |  | No |  |
| 854956 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1845 | 7.047 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36490.4 | N/A | Employed |  | No |  | No |  |
| 854969 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7625 | 6.998 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10870.29 | N/A | Employed |  | No |  | No |  |
| 854982 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7245 | 7.195 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 33440.41 | N/A | Employed | Not Employed | No | No | No |  |
| 855011 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | Yes | N/A | N/A | Yes | N/A | N/A | 31711.06 | N/A | Employed |  | No |  | Yes | Present |
| 855015 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 79439.4 | N/A | Employed | Employed | No | No | Yes | Present |
| 855041 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6590 | 7.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21481.37 | Yes | Employed |  | No |  | No |  |
| 855042 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8535 | 6.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6639.31 | N/A | Employed |  | No |  | No |  |
| 855049 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11620 | 6.967 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11138.3 | Yes | Employed |  | No |  | No |  |
| 855051 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5665 | 7.338 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3552.17 | Yes | Employed |  | No |  | No |  |
| 855056 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855057 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1790 | 7.16 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20203.58 | N/A | Employed |  | No |  | No |  |
| 855101 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8090 | 8.467 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7219.63 | N/A | Employed | Employed | No | No | No |  |
| 855107 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5048 | 8.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30677.37 | Yes | Employed | Employed | No | No | No |  |
| 855123 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4390 | 6.399 | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | Yes | 13904.11 | Yes | Employed | Employed | No | No | No |  |
| 855136 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17786 | 6.938 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21426.8 | Yes | Employed |  | No |  | No |  |
| 855168 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8426 | 8.465 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10453.86 | N/A | Employed |  | No |  | No |  |
| 855169 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 217340.87 | N/A | Employed |  | No |  | Yes | Present |
| 855175 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16362.5 | 6.795 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19450.35 | Yes | Employed |  | No |  | No |  |
| 855179 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7688.75 | 9.004 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8671.04 | Yes | Employed |  | No |  | No |  |
| 855237 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3065 | 7.198 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9578.94 | N/A | Employed |  | No |  | No |  |
| 855255 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7545 | 7.51 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14967.4 | Yes | Employed |  | No |  | No |  |
| 855259 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12950 | 6.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7563.54 | Yes | Employed |  | No |  | No |  |
| 855297 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 4565 | 8.395 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3021.08 | Yes | Employed |  | No |  | No |  |
| 855313 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3462.65 | 9.322 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13602.66 | Yes | Employed |  | No |  | No |  |
| 855323 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 9884.28 | Yes | Employed |  | No |  | Yes | Present |
| 855324 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6263.75 | 7.331 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5952.87 | N/A | Employed |  | No |  | No |  |
| 855418 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2376 | 7.026 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20943.66 | Yes | Employed |  | No |  | No |  |
| 855420 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7675 | 6.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4457.82 | Yes | Employed |  | No |  | No |  |
| 855422 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4675 | 6.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7060.75 | Yes | Employed |  | No |  | No |  |
| 855437 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1644.64 | 7.32 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22965.96 | N/A | Employed |  | No |  | No |  |
| 855442 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 27468.4 | 6.929 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15345.87 | N/A | Employed |  | No |  | No |  |
| 855474 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2989 | 6.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9116.65 | N/A | Employed |  | No |  | No |  |
| 855557 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.952 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5337.35 | N/A | Retired | Retired | No | No | No |  |
| 855579 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2620 | 7.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12146.61 | Yes | Employed | Not Employed | No | No | No |  |
| 855603 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23330 | 6.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26822.81 | N/A | Employed |  | No |  | No |  |
| 855625 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7207 | 7.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13045.01 | N/A | Employed |  | No |  | No |  |
| 855631 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9544.99 | 7.456 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 41143.98 | N/A | Employed |  | No |  | No |  |
| 855636 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9753 | 6.893 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7684.74 | N/A | Employed |  | No |  | No |  |
| 855637 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33852.43 | N/A | Employed |  | No |  | Yes | Present |
| 855641 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | N/A | N/A | 63695.14 | N/A | Employed | Employed | No | No | Yes | Present |
| 855657 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2211.2 | 7.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9825.6 | N/A | Employed | Employed | No | No | No |  |
| 855659 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2965 | 7.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13364.26 | N/A | Employed |  | No |  | No |  |
| 855660 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3402.5 | 8.336 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 10086.42 | N/A | Employed |  | No |  | No |  |
| 855661 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9875 | 7.632 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17442.66 | Yes | Employed |  | No |  | No |  |
| 855662 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1890 | 6.692 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 4994.86 | Yes | Employed | Employed | No | No | No |  |
| 855664 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2610.81 | 7.099 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2293.7 | N/A | Employed | Not Employed | No | No | No |  |
| 855675 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4395 | 6.717 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5738.75 | Yes | Employed | Not Employed | No | No | No |  |
| 855720 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8623.6 | N/A | Employed |  | No |  | No |  |
| 855736 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2095 | 7.148 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 290589.39 | N/A | Employed |  | No |  | No |  |
| 855758 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 14245 | 7.928 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13234.13 | N/A | Employed |  | No |  | No |  |
| 855788 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7320 | 7.191 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6814.19 | Yes | Employed |  | No |  | No |  |
| 855790 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5081 | 7.327 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4863.22 | N/A | Employed |  | No |  | No |  |
| 855794 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7177 | 7.266 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18207.89 | Yes | Employed |  | No |  | No |  |
| 855795 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2450 | 7.298 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13366.57 | N/A | Employed |  | No |  | No |  |
| 855797 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5364.2 | 6.999 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9261.57 | N/A | Employed |  | No |  | No |  |
| 855807 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1450 | 7.439 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19545.12 | Yes | Employed |  | No |  | No |  |
| 855812 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17945 | 7.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43787.16 | N/A | Employed |  | No |  | No |  |
| 855813 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15547.76 | Yes | Employed | Employed | No | No | Yes | Present |
| 856093 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 27375 | 7.787 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 11282.72 | Yes | Employed |  | No |  | No |  |
| 856099 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19150.24 | Yes | Employed |  | No |  | Yes | Present |
| 856100 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 15945 | 8.31 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6607.29 | N/A | Employed |  | No |  | No |  |
| 856104 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9897.7 | 6.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12972.25 | Yes | Employed |  | No |  | No |  |
| 856105 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8027 | 6.914 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50976.18 | N/A | Employed | Not Employed | No | No | No |  |
| 856136 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7352.5 | 8.428 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7372.47 | N/A | Employed |  | No |  | No |  |
| 856234 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 12900 | 9.46 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 19470.26 | Yes | Employed |  | No |  | No |  |
| 856240 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7249 | 7.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7010.76 | N/A | Employed |  | No |  | No |  |
| 856342 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22280.36 | N/A | Employed |  | No |  | Yes | Present |
| 856343 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5756.5 | 7.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 10639.59 | Yes | Employed |  | No |  | No |  |
| 856352 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2745 | 7.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5201 | Yes | Employed |  | No |  | No |  |
| 856358 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3599 | 9.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6913.38 | Yes | Employed |  | No |  | No |  |
| 856365 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8605 | 6.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39867.34 | N/A | Employed |  | No |  | No |  |
| 856371 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5621.6 | N/A | Employed |  | No |  | Yes | Present |
| 856377 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8195 | 7.22 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13566.01 | Yes | Employed |  | No |  | No |  |
| 856383 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6620 | 7.514 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17008.69 | N/A | Employed |  | No |  | No |  |
| 856384 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9145 | 7.34 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26751.89 | N/A | Employed |  | No |  | No |  |
| 856407 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4313.75 | 7.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6997.02 | Yes | Employed |  | No |  | No |  |
| 856414 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5095 | 7.702 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9723.83 | Yes | Employed |  | No |  | No |  |
| 856510 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5720 | 7.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7329.13 | Yes | Employed | Employed | No | No | No |  |
| 856518 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4415 | 6.934 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3830.44 | N/A | Employed |  | No |  | No |  |
| 856520 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 26095 | 7.839 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65292.88 | N/A | Employed |  | No |  | No |  |
| 856523 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2101.81 | 7.015 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 10204.47 | N/A | Employed | Employed | No | No | No |  |
| 856525 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7707.6 | 7.107 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3416.62 | Yes | Retired |  | No |  | No |  |
| 856536 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 6.896 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27552.99 | N/A | Employed |  | No |  | No |  |
| 856540 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4699.36 | N/A | Employed |  | No |  | Yes | Present |
| 856551 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2026.4 | 6.736 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16799.66 | Yes | Not Employed | Not Employed | No | No | No |  |
| 856565 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.468 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11181.51 | Yes | Employed | Employed | No | No | No |  |
| 856568 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 14035 | 8.91 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10945.4 | N/A | Employed |  | No |  | No |  |
| 856577 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2455 | 7.072 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14050.34 | N/A | Employed |  | No |  | No |  |
| 856583 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10075 | 6.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16884.81 | N/A | Employed |  | No |  | No |  |
| 856585 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3050 | 8.361 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9761.27 | N/A | Employed |  | No |  | No |  |
| 856592 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3332 | 7.452 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9783.13 | N/A | Employed |  | No |  | No |  |
| 856618 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 1640 | 8.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6713.75 | N/A | Employed | Retired | No | No | No |  |
| 856627 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 14932.48 | N/A | Employed |  | No |  | Yes | Present |
| 856629 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9175 | 6.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5379.32 | Yes | Employed | Not Employed | No | No | No |  |
| 856638 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 2911.75 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6933.15 | Yes | Employed | Employed | No | No | No |  |
| 856651 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 56983.85 | Yes | Employed |  | No |  | Yes | Present |
| 856666 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3984.55 | 6.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6925.44 | N/A | Retired |  | No |  | No |  |
| 856667 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7860 | 7.105 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3981.12 | N/A | Employed |  | No |  | No |  |
| 856668 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23467.24 | N/A | Employed |  | No |  | Yes | Present |
| 856673 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9570 | 7.057 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9387.34 | N/A | Employed |  | No |  | No |  |
| 856708 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 22556 | 7.345 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 89928.9 | Yes | Employed |  | No |  | No |  |
| 856717 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 7.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7939.39 | Yes | Employed |  | No |  | No |  |
| 856726 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 36375 | 7.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 78015.51 | N/A | Employed |  | No |  | No |  |
| 856738 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3558.4 | 6.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17583.59 | N/A | Employed | Not Employed | No | No | No |  |
| 856741 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.632 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12323.13 | N/A | Employed | Employed | No | No | No |  |
| 856775 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 7907.5 | 8.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5866.64 | N/A | Employed |  | No |  | No |  |
| 856797 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1095 | 8.458 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7361.18 | N/A | Employed |  | No |  | No |  |
| 856799 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14070 | 7.022 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16656.65 | N/A | Employed |  | No |  | No |  |
| 856810 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20445 | 7.523 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17900.22 | Yes | Employed |  | No |  | No |  |
| 856833 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18875 | 6.736 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32497.96 | Yes | Employed | Employed | No | No | No |  |
| 856838 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 39393.28 | N/A | Employed | Employed | No | No | Yes | Present |
| 856840 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 39223.71 | Yes | Employed | Employed | No | No | Yes | Present |
| 856846 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14950 | 7.659 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11831.12 | Yes | Employed |  | No |  | No |  |
| 856847 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 11745 | 7.215 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4252.64 | N/A | Employed |  | No |  | No |  |
| 856849 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 15170 | 6.908 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14991.4 | Yes | Employed |  | No |  | No |  |
| 856852 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 27657.5 | 7.1 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18026.1 | N/A | Employed |  | No |  | No |  |
| 856854 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 17335.48 | Yes | Employed |  | No |  | Yes | Present |
| 856856 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13490 | 7.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11846.13 | N/A | Employed |  | No |  | No |  |
| 856857 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7162 | 7.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3670.12 | Yes | Employed |  | No |  | No |  |
| 856858 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 36550 | 7.265 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56132.93 | N/A | Employed |  | No |  | No |  |
| 856879 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 6745 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26171.38 | N/A | Employed |  | No |  | No |  |
| 856909 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 5940 | 7.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9467.47 | N/A | Employed |  | No |  | No |  |
| 856910 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7852 | 7.734 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12144.32 | N/A | Employed |  | No |  | No |  |
| 856916 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37245.54 | N/A | Employed |  | No |  | Yes | Present |
| 856934 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8012.5 | 8.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6009.76 | N/A | Employed |  | No |  | No |  |
| 856947 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 26027.52 | 7.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 259976.02 | Yes | Employed |  | No |  | No |  |
| 856949 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 18450 | 8.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11260.22 | Yes | Employed |  | No |  | No |  |
| 856971 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8645 | 7.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11196.64 | N/A | Employed |  | No |  | No |  |
| 856991 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6035 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6127.26 | Yes | Employed |  | No |  | No |  |
| 856996 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4926.24 | 7.053 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 4019.58 | N/A | Retired |  | No |  | No |  |
| 856998 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1275 | 6.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9861.42 | N/A | Employed |  | No |  | No |  |
| 857000 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11324 | 7.368 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 107830.46 | Yes | Not Employed | Employed | No | No | No |  |
| 857004 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6515 | 6.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4450.75 | N/A | Employed |  | No |  | No |  |
| 857139 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2665 | 6.911 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 95429.46 | Yes | Employed |  | No |  | No |  |
| 857146 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 16720.25 | 8.369 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17246.71 | N/A | Employed |  | No |  | No |  |
| 857148 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5785.47 | N/A | Employed |  | No |  | Yes | Present |
| 857152 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3565 | 7.85 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10293.21 | N/A | Employed |  | No |  | No |  |
| 857163 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 9839.5 | 6.952 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5737.25 | Yes | Employed |  | No |  | No |  |
| 857189 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4917.59 | Yes | Not Employed | Not Employed | No | No | Yes | Present |
| 857204 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21082.43 | 7.226 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15423.07 | Yes | Employed |  | No |  | No |  |
| 857222 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4422 | 6.593 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3221.92 | Yes | Employed |  | No |  | No |  |
| 857236 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 16655 | 8.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15008.05 | Yes | Employed |  | No |  | No |  |
| 857309 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.347 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 51320 | N/A | Employed |  | No |  | No |  |
| 857322 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6298 | 8.736 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 104394.32 | Yes | Employed |  | No |  | No |  |
| 857323 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5014.63 | 7.172 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 4763.67 | N/A | Employed |  | No |  | No |  |
| 857344 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1460 | 7.686 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7276.97 | Yes | Employed |  | No |  | No |  |
| 857373 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9005 | 7.575 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6284.09 | Yes | Employed |  | No |  | No |  |
| 857374 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | Yes | N/A | 10855.43 | N/A | Employed | Employed | No | No | Yes | Present |
| 857380 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 17210 | 6.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5496.54 | N/A | Employed |  | No |  | No |  |
| 857383 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8537.5 | 7.055 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4167.23 | Yes | Employed |  | No |  | No |  |
| 857384 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22262.5 | 7.133 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15082.1 | N/A | Employed |  | No |  | No |  |
| 857401 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16150 | 7.214 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18689.41 | N/A | Employed |  | No |  | No |  |
| 857402 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35255.16 | N/A | Employed |  | No |  | Yes | Present |
| 857428 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1764 | 9.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3106.85 | N/A | Employed |  | No |  | No |  |
| 857439 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 20950 | 8.465 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23474.59 | Yes | Employed |  | No |  | No |  |
| 857446 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9344 | 7.673 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6007.82 | Yes | Not Employed | Employed | No | No | No |  |
| 857448 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20831 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23245.16 | Yes | Employed |  | No |  | No |  |
| 857500 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 35976 | 7.55 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19375.33 | Yes | Employed |  | No |  | No |  |
| 857545 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 15190.48 | 7.736 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9234.08 | N/A | Employed |  | No |  | No |  |
| 857564 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10476 | 7.302 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9370.04 | Yes | Not Employed | Employed | No | No | No |  |
| 857570 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9015 | 6.885 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27821.25 | Yes | Employed |  | No |  | No |  |
| 857584 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8044 | 6.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11785.65 | Yes | Employed |  | No |  | No |  |
| 857652 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1095 | 7.839 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 106861.61 | N/A | Employed |  | No |  | No |  |
| 857689 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20950 | 7.058 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15195.4 | Yes | Employed | Employed | No | No | No |  |
| 857690 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9150 | 6.921 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7375.26 | Yes | Employed |  | No |  | No |  |
| 857707 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 16344 | 7.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57592.23 | N/A | Employed |  | No |  | No |  |
| 857717 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2450 | 7.838 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16472.23 | N/A | Employed |  | No |  | No |  |
| 857719 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6008 | 7.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8306.75 | Yes | Employed |  | No |  | No |  |
| 857759 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 14227.5 | 7.308 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11274.86 | Yes | Employed |  | No |  | No |  |
| 857813 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 33445.63 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 857890 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5550 | 7.437 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6876.4 | N/A | Employed |  | No |  | No |  |
| 857897 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4486.25 | 6.906 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6938.1 | N/A | Employed |  | No |  | No |  |
| 857902 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19449.38 | 7.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22436.16 | N/A | Employed |  | No |  | No |  |
| 857903 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1450 | 6.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8178.03 | N/A | Employed |  | No |  | No |  |
| 857905 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 15850 | 7.066 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13802.04 | N/A | Employed |  | No |  | No |  |
| 857914 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5195 | 6.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6927.75 | Yes | Employed | Employed | No | No | No |  |
| 857917 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20950 | 6.977 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22945.65 | Yes | Employed |  | No |  | No |  |
| 857925 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 9634 | 6.809 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3125.38 | Yes | Not Employed |  | No |  | No |  |
| 857973 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | 15042 | Yes | Employed |  | No |  | Yes | Present |
| 858038 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 41395.89 | N/A | Employed |  | No |  | Yes | Present |
| 858086 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9462 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11305.7 | N/A | Employed |  | No |  | No |  |
| 858094 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3529.95 | 7.238 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8389.72 | N/A | Employed |  | No |  | No |  |
| 858101 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21395 | 7.728 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 32039.29 | N/A | Employed |  | No |  | No |  |
| 858102 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10195 | 7.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10116.4 | N/A | Employed |  | No |  | No |  |
| 858103 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 9236 | 7.847 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 113771.52 | N/A | Employed |  | No |  | No |  |
| 858107 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10815 | 7.022 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10975.54 | N/A | Employed |  | No |  | No |  |
| 858112 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9015 | 7.608 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 32516.73 | N/A | Employed |  | No |  | No |  |
| 858113 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3740 | 7.408 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4256.22 | N/A | Employed |  | No |  | No |  |
| 858114 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 6.926 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8461.36 | N/A | Employed |  | No |  | No |  |
| 858130 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10045 | 8.031 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 156463.27 | Yes | Employed |  | No |  | No |  |
| 858155 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26523.83 | N/A | Employed |  | No |  | Yes | Present |
| 858165 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 25542.53 | N/A | Employed |  | No |  | Yes | Present |
| 858166 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21270 | 7.025 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6620.5 | N/A | Employed |  | No |  | No |  |
| 858168 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14602 | 7.59 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10618.91 | Yes | Employed |  | No |  | No |  |
| 858171 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8177.76 | 6.923 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12097.29 | N/A | Employed |  | No |  | No |  |
| 858368 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13285 | 7.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25778.73 | Yes | Employed |  | No |  | No |  |
| 858399 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 29475 | 7.304 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24528.14 | N/A | Employed |  | No |  | No |  |
| 858400 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9280 | 7.203 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4558.09 | Yes | Employed |  | No |  | No |  |
| 858401 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23362.83 | N/A | Employed |  | No |  | Yes | Present |
| 858402 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18075 | 7.321 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13441.78 | Yes | Employed |  | No |  | No |  |
| 858405 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11008.75 | 7.069 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49192.58 | N/A | Employed |  | No |  | No |  |
| 858408 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13395 | 7.207 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7996.11 | N/A | Employed | Employed | No | No | No |  |
| 858411 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15495 | 7.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9836.59 | N/A | Employed |  | No |  | No |  |
| 858412 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3380 | 7.341 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6058.94 | Yes | Employed |  | No |  | No |  |
| 858415 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2190 | 7.331 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7340.64 | N/A | Employed |  | No |  | No |  |
| 858601 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1450 | 6.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28457.38 | Yes | Employed |  | No |  | No |  |
| 858607 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4118 | 6.838 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4449.59 | Yes | Employed |  | No |  | No |  |
| 858610 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10450 | 7.177 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6927.74 | Yes | Employed |  | No |  | No |  |
| 858933 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 6990 | 9.223 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10317.1 | N/A | Employed |  | No |  | No |  |
| 858934 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 6445 | 8.104 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14114 | Yes | Employed |  | No |  | No |  |
| 859204 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8165 | 7.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5604.68 | Yes | Employed |  | No |  | No |  |
| 859205 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9473.13 | 7.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7936.09 | Yes | Employed | Employed | No | No | No |  |
| 2000011612 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4008 | 8.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5687.69 | N/A | Employed | Retired | No | No | No |  |
| 2000011614 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6646.79 | 8.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4017.43 | Yes | Retired |  | No |  | No |  |
| 2000011617 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2123.1 | 9.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2852.61 | N/A | Retired |  | No |  | No |  |
| 2000011622 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 18843.04 | N/A | Employed |  | No |  | Yes | Present |
| 2000011635 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6619.94 | 7.597 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19529.07 | Yes | Employed |  | No |  | No |  |
| 2000011648 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 1446.27 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 2000011649 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2117.4 | 8.778 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3803.52 | Yes | Employed | Not Employed | No | No | No |  |
| 2000011671 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 6832.6 | Yes | Employed |  | No |  | Yes | Present |
| 2000011692 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3235.01 | 8.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4583.88 | Yes | Employed | Retired | No | No | No |  |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**CLARIFII VALUATION REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance 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** |
| 844196 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.0 | 64.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845977 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 64.38 | 64.38 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847533 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 847737 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.33 | 79.82 | xxxxxx | xxxxxx | -.1071 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1071 |  | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-02-2025 | Not Eligible |  |  |
| 847879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 |
| 848330 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848397 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-28-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0342 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0342 | xxxxxx | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848494 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 32.46 | 32.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 848536 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 09-12-2025 | Not Eligible | 1 | 09-12-2025 |
| 848661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 849042 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 | Eligible | 1 | 09-30-2025 |
| 849075 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | MP | MP | xxxxxx | xxxxxx | xxxxxx | 61.4 | 61.4 | xxxxxx | 0.0 | .0000 | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849174 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.8 | 64.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 |
| 849281 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 849378 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0714 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0714 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849405 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.01 | 58.01 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849507 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-30-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 | Eligible |  |  |
| 849557 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 849558 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849608 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.0 | 48.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 09-23-2025 |
| 849625 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849630 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.81 | 74.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849670 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.89 | 69.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-18-2025 |
| 849674 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 11-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-04-2025 |
| 849726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 849944 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 10-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 849957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849980 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.72 | 68.72 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849983 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 56.69 | 56.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-22-2025 |
| 849992 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 69.12 | 69.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850174 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 54.95 | 54.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850177 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 78.73 | 78.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850235 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 850451 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850507 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.3025 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.3025 | 10-15-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.3519 | xxxxxx | High | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850528 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-26-2025 | Eligible | 1.5 | 10-26-2025 |
| 850630 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 11.09 | 75.0 | xxxxxx | xxxxxx | -.0226 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0226 | 96.0 | 0.04 | xxxxxx | xxxxxx | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850688 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 10-09-2025 | Not Eligible | 1 | 10-09-2025 |
| 850691 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-15-2025 |
| 850724 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 41.05 | 41.05 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-20-2025 | Eligible | 1 | 10-20-2025 |
| 850836 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 59.86 | 59.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 10-16-2025 |
| 850848 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.06 | 67.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 09-30-2025 | Not Eligible | 1 | 09-30-2025 |
| 851013 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-29-2025 |
| 851030 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 | Eligible | 1.2 | 08-21-2025 |
| 851165 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851174 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.73 | 67.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 09-02-2025 |
| 851184 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-02-2025 |
| 851192 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 09-01-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0350 | 97.0 | 0.03 | xxxxxx | xxxxxx | 09-09-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | A | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851198 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 851199 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 851200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 09-09-2025 |
| 851201 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.36 | 73.36 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 851223 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.63 | 70.63 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 09-17-2025 |
| 851225 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 851228 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851251 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 09-23-2025 |
| 851263 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 09-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0113 | 91.0 | 0.09 | xxxxxx | xxxxxx | 09-25-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | A | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851266 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 43.66 | 43.66 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 851267 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 09-16-2025 |
| 851271 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0526 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0526 | 97.0 | 0.03 | xxxxxx | xxxxxx | 09-29-2025 | xxxxxx | xxxxxx | -.0526 | xxxxxx | B | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851279 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0208 | 96.0 | 0.04 | xxxxxx | xxxxxx | 09-23-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | A | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851289 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 851294 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0043 | 91.0 | 0.09 | xxxxxx | xxxxxx | 09-23-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | A | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851337 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851353 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.69 | 57.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851419 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-26-2025 | Eligible | 1 | 09-26-2025 |
| 851478 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.94 | 64.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-21-2025 |
| 851546 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851554 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 10-30-2025 |
| 851599 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 851601 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.33 | 55.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-03-2025 |
| 851620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 851684 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 851715 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851734 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | xxxxxx | -.0435 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0435 | xxxxxx | Moderate | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 |
| 851796 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851800 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851815 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 10-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.65 | 57.65 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-06-2025 | Eligible | 1 | 11-06-2025 |
| 851821 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-07-2025 |
| 851830 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-20-2025 |
| 851841 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.9 | 67.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-19-2025 | Eligible | 1 | 09-19-2025 |
| 851855 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 851894 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 63.45 | 63.45 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-20-2025 |
| 851939 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851949 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.64 | 68.64 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-02-2025 |
| 851956 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 20.91 | 20.91 | xxxxxx | xxxxxx | .0242 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0242 | 93.0 | 0.07 | xxxxxx | xxxxxx | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2025 |
| 851983 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-29-2025 | Eligible | 1 | 07-29-2025 |
| 851993 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.9 | 67.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-01-2025 |
| 852036 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.03 | 21.03 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 08-18-2025 |
| 852105 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 45.87 | 45.87 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 12-05-2025 |
| 852140 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 64.97 | 64.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852143 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-25-2025 | Eligible | 1.8 | 11-25-2025 |
| 852146 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-19-2025 | Eligible | 1 | 10-19-2025 |
| 852151 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.82 | 62.82 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-03-2025 |
| 852190 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 44.59 | 44.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852203 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-17-2025 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | 14.67 | 31.28 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1685 | 92.0 | 0.08 | xxxxxx | xxxxxx | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 11-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0106 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0106 | 11-07-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852231 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 10-24-2025 |
| 852262 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 09-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852275 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 |
| 852277 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 09-17-2025 |
| 852326 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0172 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0172 | xxxxxx | Moderate | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852363 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852384 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | 73.31 | 73.31 | xxxxxx | xxxxxx | .0156 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0156 | xxxxxx | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852389 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852454 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0060 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0060 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852605 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 | Eligible | 1 | 10-27-2025 |
| 852754 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.41 | 55.41 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852771 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 28.13 | 74.2 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 852783 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 | Eligible | 1 | 11-25-2025 |
| 852803 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852808 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.39 | 72.24 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-17-2025 |
| 852812 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0288 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0288 | 94.0 | 0.06 | xxxxxx | xxxxxx | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852813 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 10-24-2025 |
| 852918 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 26.75 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 852937 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-28-2025 |
| 852964 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 11-07-2025 | Not Eligible |  |  |
| 852982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.37 | 47.37 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-09-2025 |
| 853096 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-10-2025 | Eligible | 1.7 | 11-10-2025 |
| 853114 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-20-2025 |
| 853209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853211 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-12-2025 | Eligible | 1.9 | 11-12-2025 |
| 853222 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853226 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-12-2025 |
| 853295 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0809 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0809 | 11-21-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853376 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 43.8 | 43.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853405 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-10-2025 | Eligible | 1.5 | 11-10-2025 |
| 853436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-17-2025 |
| 853452 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853477 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.21 | 73.21 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-07-2025 | Eligible | 1 | 11-07-2025 |
| 853487 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 33.1 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 |
| 853488 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 31.25 | 71.37 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 12-09-2025 |
| 853516 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 37.5 | 37.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853547 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 853548 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 | Eligible | 2.5 | 10-29-2025 |
| 853572 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.3 | 75.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 |
| 853574 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853586 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 |
| 853593 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-10-2025 | Eligible | 1 | 10-10-2025 |
| 853597 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.43 | 71.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 11-19-2025 |
| 853674 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 | Eligible | 1 | 11-21-2025 |
| 853679 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-13-2025 |
| 853683 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 09-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853701 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.56 | 72.56 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853722 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.76 | 77.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853761 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 7.14 | 40.11 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 853769 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.87 | 60.87 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 12-10-2025 |
| 853783 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 44.88 | 44.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-29-2025 |
| 853790 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.94 | 64.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 853821 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.68 | 69.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853841 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-24-2025 | AVM |  |  | xxxxxx | 21.76 | 88.36 | xxxxxx | xxxxxx | .0573 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0573 | 94.0 | 0.06 | xxxxxx | xxxxxx | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853842 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853899 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853932 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2026 | Eligible |  |  |
| 853954 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 73.49 | 73.49 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-04-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 08-19-2025 | Eligible | 1 | 08-19-2025 |
| 853976 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0268 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0268 | xxxxxx | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854018 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 |
| 854020 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854131 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-09-2025 |
| 854134 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 854146 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-19-2025 | Eligible |  |  |
| 854164 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.63 | 78.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-08-2025 |
| 854185 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 10-29-2025 |
| 854197 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854206 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 11-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 11-26-2025 | Not Eligible |  |  |
| 854224 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 |
| 854226 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-03-2025 | Eligible | 1 | 12-03-2025 |
| 854231 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-12-2025 | Eligible | 1.1 | 11-12-2025 |
| 854250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854263 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854284 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 32.98 | 67.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 12-08-2025 |
| 854291 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854298 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 | Eligible | 2.1 | 12-02-2025 |
| 854304 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854322 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.75 | 68.75 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-19-2025 |
| 854340 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 22.08 | 64.91 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-23-2025 | Eligible |  |  |
| 854355 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 854365 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 12.83 | 37.61 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-28-2025 |
| 854368 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854463 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 854478 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 79.77 | 79.77 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 854484 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 50.85 | 50.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854513 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.3 | 58.3 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-20-2025 | Eligible | 1 | 10-20-2025 |
| 854519 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.83 | 69.83 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 | Eligible | 1.9 | 12-02-2025 |
| 854520 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854533 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 49.46 | 49.46 | xxxxxx | xxxxxx | .0898 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0898 | 88.0 | 0.12 | xxxxxx | xxxxxx | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 | Eligible |  |  |
| 854547 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.97 | 57.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-08-2025 |
| 854548 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 854567 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0239 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0239 | xxxxxx | Moderate | 12-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 12-03-2025 | Eligible |  |  |
| 854583 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 46.67 | 46.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854598 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 | Eligible | 1.6 | 12-05-2025 |
| 854606 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.81 | 65.41 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-24-2025 |
| 854635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 854665 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-22-2025 |
| 854671 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 74.29 | 74.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 854757 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-07-2025 |
| 854798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-10-2025 |
| 854814 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 854824 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854836 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-20-2025 |
| 854848 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 11-14-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-11-2025 |
| 854850 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 | Eligible | 1 | 10-27-2025 |
| 854851 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 | Eligible | 1 | 11-18-2025 |
| 854858 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 61.96 | 61.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854862 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 11-22-2025 |
| 854913 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-20-2025 | Eligible |  |  |
| 854934 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-21-2025 | Eligible | 1.3 | 11-21-2025 |
| 854935 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 | Eligible | 1 | 10-09-2025 |
| 854945 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.18 | 68.18 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-17-2025 |
| 854949 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.0 | 10-28-2025 | Eligible |  |  |
| 854956 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.21 | 79.21 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 11-25-2025 | Not Eligible |  |  |
| 854969 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 854982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 855011 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 |
| 855015 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-10-2025 |
| 855041 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 855042 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 855049 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.69 | 68.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 855051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 855056 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.72 | 51.72 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 | Eligible | 2.1 | 11-13-2025 |
| 855057 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0613 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0613 | xxxxxx | Moderate | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-24-2025 | Eligible |  |  |
| 855101 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 18.18 | 66.64 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 |
| 855107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 11-20-2025 | Not Eligible | 3.6 |  |
| 855123 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.71 | 64.71 | xxxxxx | xxxxxx | -.1619 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.1619 | 12-01-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 12-08-2025 |
| 855136 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 12-04-2025 |
| 855168 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.05 | 59.7 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-09-2025 |
| 855169 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 855175 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-05-2025 | Eligible |  |  |
| 855179 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 855237 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-05-2025 |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-08-2025 | Eligible |  |  |
| 855255 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 28.16 | 28.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 855259 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 | Eligible | 1 | 11-24-2025 |
| 855297 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-18-2025 |
| 855313 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 12-11-2025 |
| 855323 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855324 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 855418 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.93 | 74.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 855420 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.92 | 47.92 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 855422 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 78.96 | 78.96 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 | Eligible | 1 | 10-29-2025 |
| 855437 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-11-2025 | Eligible | 1 | 12-11-2025 |
| 855442 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.0 | 72.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855474 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.85 | 74.85 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-26-2025 |
| 855557 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-26-2025 | Eligible | 1 | 12-26-2025 |
| 855579 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 74.27 | 74.27 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855603 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 52.94 | 52.94 | xxxxxx | xxxxxx | -.0457 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0457 | 93.0 | 0.07 | xxxxxx | xxxxxx | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 855625 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 855631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 |
| 855636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.96 | 79.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 855637 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.87 | 69.87 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 |
| 855641 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 855657 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-19-2025 | Eligible | 1.2 | 11-19-2025 |
| 855659 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.69 | 55.44 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 09-09-2025 |
| 855660 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-31-2025 | AVM |  |  | xxxxxx | 25.72 | 84.76 | xxxxxx | xxxxxx | -.0299 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0299 |  | 08-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855661 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2025 | Eligible | 1 | 04-16-2025 |
| 855662 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-02-2025 | None - Appraisal Waiver |  |  | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 12-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2024 | Eligible | 1.2 | 12-11-2024 |
| 855675 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.52 | 57.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-04-2025 |
| 855720 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 | Eligible | 1 | 12-15-2025 |
| 855736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-10-2025 | Eligible | 1 | 12-10-2025 |
| 855758 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 855788 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 855790 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-07-2026 |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-15-2025 | Eligible | 1 | 08-15-2025 |
| 855794 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 12-05-2025 |
| 855795 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 69.74 | 69.74 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855797 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.93 | 66.93 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 855807 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855812 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 12-02-2025 |
| 855813 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-09-2025 |
| 856093 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856099 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 20.14 | 63.53 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856100 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 11-21-2025 |
| 856104 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.08 | 57.08 | xxxxxx | xxxxxx | .0083 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0083 | 11-25-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856105 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.29 | 69.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 856136 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-13-2025 |
| 856234 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 |
| 856240 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 856342 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.13 | 78.13 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 | Eligible | 1 | 12-08-2025 |
| 856343 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856352 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 62.79 | 62.79 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-04-2025 | Eligible | 1 | 12-04-2025 |
| 856358 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | AVM |  |  | xxxxxx | 13.1 | 88.59 | xxxxxx | xxxxxx | -.0006 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0006 | 92.0 | 0.08 | xxxxxx | xxxxxx | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856365 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 | Eligible |  |  |
| 856371 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 12-08-2025 | Not Eligible | 1 | 12-08-2025 |
| 856377 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-17-2025 | Eligible |  |  |
| 856383 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.55 | 79.55 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-01-2025 | Eligible | 1 | 12-01-2025 |
| 856384 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.59 | 67.59 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-01-2025 | Eligible | 2 | 12-01-2025 |
| 856407 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 856414 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.98 | 71.06 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1561 | 88.0 | 0.12 | xxxxxx | xxxxxx | 12-22-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856510 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 36.42 | 74.75 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 856518 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 856520 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 11-17-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856523 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.0 | 78.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 12-08-2025 |
| 856525 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 52.49 | 52.49 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 | Eligible |  |  |
| 856536 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-09-2025 | Eligible |  |  |
| 856540 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 | Eligible |  |  |
| 856551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 11-24-2025 | Not Eligible | 1.7 | 11-24-2025 |
| 856565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.05 | 79.05 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-04-2025 |
| 856568 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 89.96 | 89.96 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-10-2025 |
| 856577 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856583 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 856585 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 14.04 | 42.03 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-06-2025 |
| 856592 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 | Eligible | 1.8 | 12-09-2025 |
| 856618 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-17-2025 | Eligible | 1 | 12-17-2025 |
| 856627 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0333 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0333 | 12-08-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-11-2025 |
| 856629 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.19 | 65.19 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-01-2025 |
| 856638 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-11-2025 | Eligible | 1 | 12-11-2025 |
| 856651 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856666 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 12-24-2025 | Not Eligible | 1.2 | 12-24-2025 |
| 856667 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 11-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 73.68 | 73.68 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 | Eligible |  |  |
| 856668 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 12-16-2025 |
| 856673 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 |
| 856708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856717 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 856726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-17-2025 | Eligible | 2.1 | 12-17-2025 |
| 856738 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-17-2025 | Eligible | 1.8 | 12-17-2025 |
| 856741 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 11-14-2025 | Not Eligible | 1 | 11-14-2025 |
| 856775 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 856797 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 14.53 | 49.75 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 856799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 856810 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.31 | 67.31 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 11-20-2025 |
| 856833 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.84 | 54.84 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856838 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 01-09-2026 |
| 856840 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 12-28-2025 |
| 856846 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856847 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-13-2025 | Eligible | 1 | 11-13-2025 |
| 856849 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 44.26 | 44.26 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 11-24-2025 |
| 856852 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0833 | xxxxxx | Moderate | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 12-01-2025 | Not Eligible |  |  |
| 856854 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 12-05-2025 | Not Eligible |  |  |
| 856856 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-08-2025 |
| 856857 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-09-2025 | Eligible | 1 | 12-09-2025 |
| 856858 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-15-2025 | Eligible |  |  |
| 856879 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-18-2025 | Eligible |  |  |
| 856909 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 45.71 | 45.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856910 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 856916 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 856934 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 11-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 35.0 | 69.95 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 | Eligible | 1.3 | 11-29-2025 |
| 856947 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 856949 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.82 | 79.88 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 | Eligible | 1.6 | 12-16-2025 |
| 856971 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.72 | 51.72 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 | Eligible | 2.5 | 12-24-2025 |
| 856991 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 | Eligible |  |  |
| 856996 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 12-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 01-07-2026 | Not Eligible |  |  |
| 856998 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0429 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0429 | 11-17-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-18-2025 |
| 857000 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857004 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.62 | 64.62 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-12-2025 |
| 857139 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 | Eligible |  |  |
| 857146 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 857148 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 |
| 857152 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 30.3 | 54.11 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-07-2026 | Eligible |  |  |
| 857163 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.56 | 50.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 857189 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 | Eligible | 2.5 | 09-29-2025 |
| 857204 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-19-2025 | Eligible |  |  |
| 857222 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 | Eligible | 1 | 12-22-2025 |
| 857236 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-31-2025 |
| 857309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857322 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 40.76 | 68.23 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 01-08-2026 |
| 857323 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.09 | 74.09 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2026 |
| 857344 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 |
| 857373 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 857374 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.54 | 64.93 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-26-2025 |
| 857380 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.8 | 78.8 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 | Eligible | 2 | 12-09-2025 |
| 857383 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.02 | 67.02 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-16-2025 | Eligible | 1.1 | 12-16-2025 |
| 857384 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.81 | 69.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-15-2025 |
| 857401 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857402 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 | Eligible | 1 | 12-15-2025 |
| 857428 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.23 | 77.68 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-05-2026 |
| 857439 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.87 | 73.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 01-06-2026 |
| 857446 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 49.56 | 49.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-15-2025 | Eligible | 1 | 12-15-2025 |
| 857448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 857500 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 857545 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-27-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 12-26-2025 | Eligible | 2.2 | 12-26-2025 |
| 857564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 |
| 857570 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.36 | 66.36 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 12-16-2025 | Not Eligible | 1 | 12-16-2025 |
| 857584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 12-30-2025 |
| 857652 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.29 | 40.04 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-07-2026 |
| 857689 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.73 | 72.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 10-06-2025 | Not Eligible |  |  |
| 857690 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.17 | 64.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-15-2025 |
| 857707 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 01-12-2026 |
| 857717 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-15-2025 | Eligible | 1 | 12-15-2025 |
| 857719 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 27.52 | 27.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 | Eligible | 1 | 11-24-2025 |
| 857759 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-31-2025 |
| 857813 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 | Eligible | 1.4 | 12-16-2025 |
| 857890 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 | Eligible | 1.8 | 01-07-2026 |
| 857897 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857902 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 12-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-11-2025 | Eligible | 1 | 12-11-2025 |
| 857903 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 11-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-01-2025 | Eligible | 1 | 12-01-2025 |
| 857905 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 | Eligible | 1.2 | 12-23-2025 |
| 857914 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 | Eligible | 1 | 12-22-2025 |
| 857917 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 12-23-2025 |
| 857925 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.83 | 48.83 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-06-2025 | Eligible | 1 | 01-06-2025 |
| 857973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 74.2 | 74.2 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2026 |
| 858038 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.27 | 69.27 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858086 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858094 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 79.94 | 79.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 |
| 858101 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858102 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0400 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0400 | xxxxxx | Moderate | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 858103 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858107 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-03-2025 |
| 858112 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.58 | 79.58 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-09-2025 |
| 858113 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 858114 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.69 | 78.69 | xxxxxx | xxxxxx | -.0476 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0476 | xxxxxx | Moderate | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-07-2025 |
| 858130 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.86 | 48.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 858155 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858166 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-16-2025 |
| 858168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-07-2025 |
| 858171 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.8 | 59.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-04-2025 |
| 858368 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858399 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-24-2025 |
| 858400 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 12-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 | Eligible | 1 | 12-30-2025 |
| 858401 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 12-19-2025 |
| 858402 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858405 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.01 | 71.01 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 858408 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-16-2025 |
| 858411 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0071 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0071 | 12-13-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858412 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 61.29 | 61.29 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 858415 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 858601 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.18 | 78.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-05-2026 | Eligible | 1.3 | 01-05-2026 |
| 858607 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxxx | 12-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-13-2026 | Eligible | 1 | 01-13-2026 |
| 858610 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2026 | Eligible | 1 | 01-16-2026 |
| 858933 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 858934 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859204 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 |
| 859205 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 | Eligible | 1 | 12-22-2025 |
| 2000011612 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 11.76 | 61.04 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 2000011614 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.74 | 57.28 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 12-11-2025 |
| 2000011617 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 10.81 | 55.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 2000011622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 2000011635 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 12-19-2025 | Not Eligible | 1 | 12-19-2025 |
| 2000011648 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 36.44 | 36.44 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011649 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 10.38 | 69.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011692 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 45.37 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**CLARIFII TAX AND TITLE REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Address** | **City** | **State** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Issue Check Result** | **Address Variation** | **Applicant Not in Title** | **No Open Mortgage** | **Delinquent OR Unpaid Taxes** | **Other Lien Amount Before Subject** | **Federal Tax Lien** | **State Tax Lien** | **Subject Mortgage Found** | **Subject in 1st Position** | **Subject Mortgage Foreclosed** | **Break in Assignment Chain** | **Assigned to Counterparty** | **Subject Mortgage Last Assignment Addl Info** | **Subject Mortgage Amount** | **Subject Mortgage Lien Position** | **Modification Amount** | **Modification Date** | **Subject Mortgage Modification Purpose** | **Senior Mortgages Count** | **Total Senior Mortgage Amount** | **Junior Mortgages Count** | **Total Junior Mortgage Amount** | **State Tax Lien Amount Before Subject** | **State Tax Lien Amount After Subject** | **Federal Tax Lien Amount Before Subject** | **Federal Tax Lien Amount After Subject** | **HOA Lien Amount Before Subject** | **HOA Lien Amount After Subject** | **Municipal Lien Amount Before Subject** | **Municipal Lien Amount After Subject** | **Other Lien Amount Before Subject** | **Other Lien Amount After Subject** | **Total Lien Amount Before Subject** | **Total Lien Amount After Subject (includes Delinquent Tax)** | **Total Lien Amount (includes Delinquent Tax)** | **Current Tax Amount** | **Delinquent Tax Amount** | **Total Tax Amount** | **Additional Info** |
| 855664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Yes | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A | N/A | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | xxxxxx | $0.00 | xxxxxx | "Property Type: Single Family Residence |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Address** | **City** | **State** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 855664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 1/A | 1/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.22

**EXHIBIT 99.22**

**CLARIFII MULTI PROPERTY VALUATION**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |
| 849075 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 09-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.4 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849075 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 09-01-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.4 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849075 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.4 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849075 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.4 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849075 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 09-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.4 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.23

**EXHIBIT 99.23**

**SELENE DILIGENCE LLC ("SELENE") DUE DILIGENCE REVIEW NARRATIVE**

![](tm267306d1_ex99-23img001.jpg)

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

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by VMC Asset Pooler, LLC ("Client"). The review was conducted between October 7, 2025 through January 16, 2026 via files imaged and provided for review (the "Review"), in connection with the Verus 2026-3 securitization.

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 76 residential and 13 business purpose loans for a total of 89 loans (the "Final Securitization Population").

*<u>Credit Reviews (89):</u>*

During the Review, Selene performed a credit review on 89 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (89)</u>*

During the Review, Selene performed a compliance review, as applicable, on 89 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (89):</u>*

During the Review, Selene performed a property valuation review on 89 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (89):</u>*

During the Review, Selene performed a Data Integrity Review on 89 mortgage loans in the Final Securitization Population.

*VERUS 2026-3 Executive Summary (Selene Diligence)*

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 89 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;89 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;89 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;89 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;89 | &nbsp;&nbsp;100.00% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E, Fitch Ratings, Inc. ("Fitch") and DBRS, Inc. (the "NRSRO(s)").

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **2** of **18** |

---

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

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

**CREDIT REVIEW**

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

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

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

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

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

**COMPLIANCE REVIEW**

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

**PROPERTY VALUATION REVIEW**

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

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

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

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

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

---

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

---

**DATA INTEGRITY REVIEW**

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

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

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

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

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

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

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

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 89 mortgage loans, (ii) a Compliance Review, as applicable, on 89 mortgage loans (iii) a Valuation Review on 89 mortgage loans, and (iv) a Data Integrity Review on 89 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After reviewing the 89 mortgage loans, 72 mortgage loans had a rating grade of A and 17 mortgage loans had a rating grade of B.

---

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

---

 ***Grades per loan (89 overall loans):***

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;36 | &nbsp;&nbsp;40.45% | &nbsp;&nbsp;36 | &nbsp;&nbsp;40.45% | &nbsp;&nbsp;A | &nbsp;&nbsp;72 | &nbsp;&nbsp;80.90% | &nbsp;&nbsp;72 | &nbsp;&nbsp;80.90% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6.74% | &nbsp;&nbsp;6 | &nbsp;&nbsp;6.74% | &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;19.10% | &nbsp;&nbsp;17 | &nbsp;&nbsp;19.10% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;21 | &nbsp;&nbsp;23.60% | &nbsp;&nbsp;21 | &nbsp;&nbsp;23.60% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;26 | &nbsp;&nbsp;29.21% | &nbsp;&nbsp;26 | &nbsp;&nbsp;29.21% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;88 | &nbsp;&nbsp;98.88% | &nbsp;&nbsp;88 | &nbsp;&nbsp;98.88% | &nbsp;&nbsp;A | &nbsp;&nbsp;73 | &nbsp;&nbsp;82.02% | &nbsp;&nbsp;73 | &nbsp;&nbsp;82.02% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.12% | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.12% | &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;17.98% | &nbsp;&nbsp;16 | &nbsp;&nbsp;17.98% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;89 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;89 | &nbsp;&nbsp;100.00% |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |

---

**<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.

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **5** of **18** |

---

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

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

Selene furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **6** of **18** |

---

**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

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **7** of **18** |

---

**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;

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **8** of **18** |

---

&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.

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **9** of **18** |

---

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the applicable residential loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **10** of **18** |

---

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator
 organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan
 contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **11** of **18** |

---

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

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

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

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

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

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

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

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **12** of **18** |

---

**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

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **13** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI Responsible High Cost Mortgage Lending Act

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **14** of **18** |

---

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **15** of **18** |

---

**APPENDIX D – DSCR SCOPE**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Borrower Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following borrower documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Borrowing Entity Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following entity documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence of good
standing

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Business Tax Returns

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Articles of Incorporation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Resolution to take on Debt

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Property Manager Entity Qualifications** 

Selene reviewed each Loan File to determine that Property Manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**4.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each Loan File to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each Loan File to determine whether each property contains a valid lease and determine if it is executed in compliance with the guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **16** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and remaining
term are in compliance with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the Loan File to ensure that the value meets the guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the guidelines. Specifically, Selene will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirm the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Review property condition and type; confirm it meets guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review that value meets the minimum/maximum per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirm "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Review sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: review the appraiser's cash flow assumptions, rent comparables, cap
rate selection and value reconciliation

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each Loan File to ensure that the property, flood, and hazard insurance policies are in compliance with the guidelines.

In the event the property is located within 25 miles of the Gulf of Mexico or the Atlantic Coast of Florida, Georgia, South Carolina, or North Carolina, Selene confirmed property has windstorm or "named storm" coverage.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each Loan File to determine whether it contains the following collateral documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous two-month
period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each Loan File to determine whether it contains the following financial documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm monthly rents are populated correctly at the loan level and portfolio level

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm Rent verification – proof of lease payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm vacancy is within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm expenses within range, per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm taxes, insurance and HOA are populated at loan level and within range at portfolio level per the guidelines

---

| | |
|:---|:---|
| *VERUS 2026-3 Executive Summary (Selene Diligence)* | Page **17** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm CapEx meets guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm annual maintenance fees meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm the DSCR meets program guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

---

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

---

## Exhibit 99.24

**EXHIBIT 99.24**

**SELENE RATING AGENCY GRADES DETAIL REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 846186 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 11:04 | 2026-02-09 12:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Exception page 347<br> Exception Reason _ Loan Amount - Loan File xxxxxx, GL Requirement Max $1,500,000<br> Max loan amount $1,500,000 for Foreign National. Loan amount requested xxxxxx<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-10/29/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Exception page 347<br> Exception Reason _ Loan Amount - Loan File xxxxxx, GL Requirement Max $1,500,000<br> Max loan amount $1,500,000 for Foreign National. Loan amount requested xxxxxx<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-10/29/2025 | DSCR - Loan File 1.327, GL Requirement Minimum 0.<br> Credit Score - Loan File 804, GL Requirement Minimum 680.<br> Reserves - Loan File 103.19 months, GL Requirement Minimum 12 months<br> LTV- Loan File 52.63%, GL Requirement Maximum 65% | DSCR - Loan File 1.327, GL Requirement Minimum 0.<br> Credit Score - Loan File 804, GL Requirement Minimum 680.<br> Reserves - Loan File 103.19 months, GL Requirement Minimum 12 months<br> LTV- Loan File 52.63%, GL Requirement Maximum 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846186 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 03:39 | 2026-02-09 12:34 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Cash Out is not completed according to the guideline requirements Exception page 347<br> Exception Reason: OTHER - Loan File Cash Out $1,500,000, GL Requirement Maximum $1,000,000<br> Cash-out exceeds max allowed of $1,000,000<br> Client elects to waive with the following compensating factors<br> - Due Diligence Vendor-10/29/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Cash Out is not completed according to the guideline requirements Exception page 347<br> Exception Reason: OTHER - Loan File Cash Out $1,500,000, GL Requirement Maximum $1,000,000<br> Cash-out exceeds max allowed of $1,000,000<br> Client elects to waive with the following compensating factors<br> - Due Diligence Vendor-10/29/2025 | DSCR - Loan File 1.327, GL Requirement Minimum 0.<br> Credit Score - Loan File 804, GL Requirement Minimum 680.<br> Reserves - Loan File 103.19 months, GL Requirement Minimum 12 months<br> LTV- Loan File 52.63%, GL Requirement Maximum 65% | DSCR - Loan File 1.327, GL Requirement Minimum 0.<br> Credit Score - Loan File 804, GL Requirement Minimum 680.<br> Reserves - Loan File 103.19 months, GL Requirement Minimum 12 months<br> LTV- Loan File 52.63%, GL Requirement Maximum 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846186 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 03:09 | 2025-10-30 05:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/30/2025 | DSCR - Loan File 1.327, GL Requirement Minimum 0.<br> Credit Score - Loan File 804, GL Requirement Minimum 680.<br> Reserves - Loan File 103.19 months, GL Requirement Minimum 12 months<br> LTV- Loan File 52.63%, GL Requirement Maximum 65% | DSCR is 1.327, Minimum required per guidelines is 1.<br> Credit Score is 804. Minimum required per guidelines is 700.<br> Borrower(s) have 103.19 months Reserves. Minimum required per guidelines is 12 months.<br> LTV is 52.63%. Maximum allowed per guidelines is 65%.<br> Personal Guaranty with Full Recourse | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846186 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 10:46 | 2025-10-30 01:23 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Not required as subject is a xxxxxx. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-No master or HO6. Full dwelling coverage place. - Seller-10/29/2025 <br> Open-Provide Master Insurance Policy - Due Diligence Vendor-10/29/2025 | Ready for Review-No master or HO6. Full dwelling coverage place. - Seller-10/29/2025 | Resolved-Not required as subject is a xxxxxx. - Due Diligence Vendor-10/30/2025 | DTI- Loan File 39.13%, GL Requirement Max 50%<br> Credit Score - Loan File 769, GL Requirement Min 700<br> Residual Income - Loan File $4092.01, GL Requirement $1500<br> Housing Payment History - Loan File 0x30x12 months, GL Requirement 0x30x6 months<br> Job Stability- Loan File 3 yrs, GL Requirement 1 yr<br>|  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846186 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 10:49 | 2025-10-30 01:22 | Resolved | 1 - Information C A | Credit | Credit | Deficient Condominium Documentation | Resolved-Not required as subject is a xxxxxx. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Not required for xxxxxx. - Seller-10/29/2025 <br> Open-Provide Condo Questionnaire - Due Diligence Vendor-10/29/2025 | Ready for Review-Not required for xxxxxx. - Seller-10/29/2025 | Resolved-Not required as subject is a xxxxxx. - Due Diligence Vendor-10/30/2025 | Audited FICO 807; minimum required is 700<br> 30.71 months verified reserves; 6 required<br> 20+ years S/E; 2 years required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849646 | xxxxxx | C A | Closed | xxxxxx | 2025-11-12 02:02 | 2025-11-27 04:44 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-STR document uploaded and we have xxxxxx in file that supports the $3,460 rents used, Audited DTI matches the originator DTI, Verified - Resolved - Due Diligence Vendor-11/27/2025 <br> Ready for Review-Document Uploaded. This is a STR and we have xxxxxx in file that supports the $3,460 rents used - Seller-11/26/2025 <br> Open-Originated DSCR is showing as 1.0 however calculated is showing as "0.865,considered 1007 for rent calculation. i.e 2800/3238.41=0.864%, Foregin nationals not permitted for Low ratio DSCR. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. This is a STR and we have xxxxxx in file that supports the $3,460 rents used - Seller-11/26/2025<br>| Resolved-STR document uploaded and we have xxxxxx in file that supports the $3,460 rents used, Audited DTI matches the originator DTI, Verified - Resolved - Due Diligence Vendor-11/27/2025 | Credit Score - Loan File 752, GL Requirement min 700<br> DTI- Loan File 22.79, GL Requirement Max 50%<br> Residual Income - Loan File $35,842.92, GL Requirement $2500<br> Consumer Payment History - Loan File 0x30x60 months, GL Requirement 0x60x12 months<br> Job Stability- Loan File 9 years, GL Requirement 2 years |  | Misc - Property.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849646 | xxxxxx | C A | Closed | xxxxxx | 2025-11-12 00:46 | 2025-11-27 04:43 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Updated Final 1003 with proof of address uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/27/2025 <br> Ready for Review-Document Uploaded. Updated 1003 with bank statement to support change - Seller-11/26/2025 <br> Open-Loan does not conform to program guidelines as per 1008 UW qualified borrower as 'Foreign National', asper GL 'To be eligible for foreign national, the borrower must live and work in another country and be a legal resident of that same country' but asper 1003 Borrower staying in xxxxxx for the past 2 Years. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Updated 1003 with bank statement to support change - Seller-11/26/2025 | Resolved-Updated Final 1003 with proof of address uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/27/2025 | Credit Score - Loan File 752, GL Requirement min 700<br> DTI- Loan File 22.79%, GL Requirement Max 50%<br> Residual Income - Loan File $35,842.92, GL Requirement $2500<br> Consumer Payment History - Loan File 0x30x60 months, GL Requirement 0x60x12 months<br> Job Stability- Loan File 9 years, GL Requirement 2 years<br> Personal Guaranty with Full Recourse |  | 1003.pdf<br>Bank statment - Proof of Address.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849646 | xxxxxx | C A | Closed | xxxxxx | 2025-11-12 01:53 | 2025-11-18 00:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-11/17/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 10.17.2025 page # 27 a clear fraud report is required. The Fraud report in file (page #226) is showing high 1 uncleared alert. The required cleared Fraud report is missing. <br> - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-11/17/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/18/2025 | Calculated DTI is 15.56 where as 50% is maximum per guidelines<br> Residual Income is $40,232.96 required is only $2500 as per guidelines<br> 3 Tradelines > 24 months available, No Minimum tradelines required as per guidelines <br> Months Reserves - Available is 24 months required is 6 months as per guidelines<br> Housing Payment History is 0\*30\*12, as per guidelines - 1\*30\*12 |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849696 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-09 11:05 | 2026-02-10 12:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-Loan does not conform to program guidelines Rural investment DSCR will be reviewed on a case by case basis if the home has less than 10 acres in lot size. Missing verification of review. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/10/2026 | LTV of 65% is 10% lower than the maximum of 75%<br> Audited FICO of 779 is more than 20 points higher than the minimum of 660<br> 0x30x240 exceeds requirement of 0x30x12 for consumer lates | LTV of 65% is 10% lower than the maximum of 75%<br> Audited FICO of 779 is more than 20 points higher than the minimum of 660<br> 0x30x240 exceeds requirement of 0x30x12 for consumer lates | Exception xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 849696 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-09 10:32 | 2025-10-29 12:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/28/2025 <br> Counter-Received the seller closing disclosure, missing final settlement statement. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/16/2025 <br> Open-Final HUD-1 Document is Preliminary/Estimated Only. Missing final settlement statement from the file. - Due Diligence Vendor-10/09/2025 |  | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-10/29/2025 | Borrower(s) have 73.52 months Reserves. Minimum required per guidelines is 6 months.<br> Credit Score is 779. Minimum required per guidelines is 700.<br> LTV is 65%. Maximum allowed per guidelines is 75%. |  | final cd xxxxxx.pdf<br> _doc256320.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849696 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-09 10:45 | 2025-10-17 12:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Buyer-10/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower does not own/rent their primary residence on a DSCR loan. - Due Diligence Vendor-10/09/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 | LTV of 65% is 10% lower than the maximum of 75%<br> Audited FICO of 779 is more than 20 points higher than the minimum of 660<br> 0x30x240 exceeds requirement of 0x30x12 for consumer lates | Borrower(s) have 73.52 months Reserves. Minimum required per guidelines is 6 months.<br> Credit Score is 779. Minimum required per guidelines is 700.<br> LTV is 65%. Maximum allowed per guidelines is 75%. | Exception xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 852028 | xxxxxx | C A | Closed | xxxxxx | 2025-11-13 02:50 | 2025-11-18 09:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Open- - Due Diligence Vendor-11/18/2025 <br> Resolved-The loan's (7.913%) APR equals or exceeds the Federal HPML threshold of (7.79%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.29%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 239, and the Final Closing disclosure on Pg#'s 89, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 273. An interior and exterior appraisal was completed for this property – see pg 50-58, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 315, and confirmation the appraisal was delivered to the borrower – see Pg#'s 71. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 |  | Resolved-The loan's (7.913%) APR equals or exceeds the Federal HPML threshold of (7.79%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.29%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 239, and the Final Closing disclosure on Pg#'s 89, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 273. An interior and exterior appraisal was completed for this property – see pg 50-58, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 315, and confirmation the appraisal was delivered to the borrower – see Pg#'s 71. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/13/2025 | LTV is 65%. Maximum allowed per guidelines is 70%<br> High FICO 775<br> 0x30x12+ |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852833 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-13 10:42 | 2025-12-17 07:24 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated income documents received and resolved the DTI discrepancy. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Updated Income items attached - Seller-12/16/2025 <br> Counter-For the front end it is correct at 45.18 appears using the correct payment amount when loan adjust. 8,420.36+145+1,519.70= 10,085.06/18,636.62= 54.11 for the back end DTI. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-12/03/2025 <br> Open-Audited DTI 44.16% and Lender DTI 46.67%, Variance is 2.51% which is due to that Lender consider Monthly debt as $8,696.87 whereas per our Audit it is $8,229.40 (Credit liabilities $145 + PITIA $6,565.40+REO Rent loss $1,519) and Tape data DTI showing as 36.71%. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Updated Income items attached - Seller-12/16/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-12/03/2025 | Resolved-Updated income documents received and resolved the DTI discrepancy. - Due Diligence Vendor-02/10/2026 | LTV 65%<br> FICO 775<br> 0x30x12+ |  | 1003.1008.pdf<br>1003.1008.pdf<br>1003.1008.pdf<br>12 Month Bank Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852833 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-13 07:11 | 2025-11-18 00:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/17/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 09/05/2025 on page#26 a clear fraud report is required. The fraud report in file pg#458 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/17/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/18/2025 | DTI- Loan File 23.04% GL Requirement Max 50%<br> Credit Score- Loan File 788, GL Requirement Min 700<br> Residual Income- Loan File $7,722.17,, GL Requirement $1500 + $150 x 1 dependent= $11650<br> Tradelines- Loan File 2 trades for 60+ months and 2 trades for 20+ months, GL Requirement 2 for 18 months or 3 for 12 months<br> Housing Payment History- Loan File 0x30x19 months, GL Requirement 0x30x6 months<br> Job Stability- Loan File SE 15 yrs, GL Requirement SE 1 yr |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852833 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-13 06:46 | 2025-11-17 03:14 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-xxxxxx SSR (LCA) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-11/17/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/14/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version 09/05/2025 on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/14/2025 | Resolved-xxxxxx SSR (LCA) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-11/17/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/17/2025 | LTV 40% is below the maximum 70% LTV by 30%<br> DTI 16.73% is below the maximum 50% DTI by 33.27%<br> Residual Income $20,064.45 is above the minimum of $1500 + $150 per dependent =$1650<br> Reserves 117.98 months is above the minimum of 3 months<br> Job Stability 7 years S/E is greater than the minimum of 2 years S/E |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852863 | xxxxxx | A | Closed | xxxxxx | 2025-12-15 20:58 | 2025-12-17 09:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.512%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 312 and the Final Closing disclosure on Pg#'s 123, reflects escrows. Rate lock date was entered correctly – see Pg#'s 344. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 440, and confirmation the appraisal was delivered to the borrower – see Pg#'s 214. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/16/2025 |  | Resolved-The loan's (8.512%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 312 and the Final Closing disclosure on Pg#'s 123, reflects escrows. Rate lock date was entered correctly – see Pg#'s 344. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 440, and confirmation the appraisal was delivered to the borrower – see Pg#'s 214. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/16/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853430 | xxxxxx | C A B | Closed | xxxxxx | 2025-12-23 11:22 | 2025-12-31 04:50 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-Requested appraisal delivered to borrower provided hence condition resolved. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. xxxxxx, the HPML is an alert, as this is non-QM the threshold is 5% not 3% - additionally appraisal was transferred please see xxxxxx confirmed receipt - Seller-12/30/2025 <br> Open-The loan's (8.597%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) <br> the appraisal disclosure was provided to the borrower is missing in file<br>This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 298, 326 and the Final Closing disclosure on Pg#'s 171-175, 191-195 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s326 An interior and exterior appraisal was completed for this property – see pg# 23, 36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 147, and confirmation the appraisal was delivered to the borrower is missing in file. The loan does not meets HPML guidelines,.<br> - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. xxxxxx, the HPML is an alert, as this is non-QM the threshold is 5% not 3% - additionally appraisal was transferred please see xxxxxx confirmed receipt - Seller-12/30/2025 | Resolved-Requested appraisal delivered to borrower provided hence condition resolved. - Due Diligence Vendor-12/31/2025 |  |  | AppraisalDelivery_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853430 | xxxxxx | C A B | Closed | xxxxxx | 2025-12-23 11:57 | 2025-12-30 22:48 | Resolved | 1 - Information B A | Credit | Doc Issue | Borrower Certification of Appraisal Delivery is Missing | Resolved-Requested appraisal delivered to borrower provided, updated & condition resolved. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-the appraisal disclosure was provided to the borrower is missing in file - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025 | Resolved-Requested appraisal delivered to borrower provided, updated & condition resolved. - Due Diligence Vendor-12/31/2025 |  |  | AppraisalDisclosure.pdf<br> AppraisalDelivery_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853583 | xxxxxx | D A | Closed | xxxxxx | 2025-12-11 06:11 | 2025-12-17 06:28 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-DOT received and verifies the non-borrowing spouse is vested. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Assets – DOT attached shows person an Statement is non-borrowing spouse - Seller-12/16/2025 <br> Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide LOE allowing borrower to access the xxxxxx xxxxxx to use 100% of the funds as borrower held this account jointly with their spouse. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Assets – DOT attached shows person an Statement is non-borrowing spouse - Seller-12/16/2025 | Resolved-DOT received and verifies the non-borrowing spouse is vested. - Due Diligence Vendor-02/10/2026 |  |  | DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853583 | xxxxxx | D A | Closed | xxxxxx | 2025-12-11 05:48 | 2025-12-17 00:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/17/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Income worksheets - Seller-12/16/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet on page #666 is not reflecting legible numbers to verify exact deposits. per the final 1003 and 1008, the qualifying income is $307,218. provide updated worksheet validating this amount. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Income worksheets - Seller-12/16/2025 | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/17/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-12/17/2025 |  |  | Income Calculation Worksheet.pdf<br>Income Calculation Worksheet - 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853712 | xxxxxx | C A | Closed | xxxxxx | 2025-12-02 05:08 | 2025-12-12 14:30 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Sale of property Final SS - Seller-12/11/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements B1 - Asset 4 , Proceeds from sale proof is missing in file. Provide the proof for proceeds of sale amount of xxxxxx - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Sale of property Final SS - Seller-12/11/2025 | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/12/2025 |  |  | Sale of Property.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853712 | xxxxxx | C A | Closed | xxxxxx | 2025-12-02 21:37 | 2025-12-05 04:03 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008/1003 provided, HOA and tax amount corrected. HTI/DTI now matching. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Updated 1008/1003 showing updated HOA and tax amount. Liabilities stayed the same as we are omitting the mortgage since it was closed and proceeds were used for this loan - Seller-12/04/2025 <br> Open-Audited DTI is 42.47 % and lender DTI is 28.11%. The difference is 14.36%. This is due to 1) lender considered all other monthly debt as $1891.6 whereas our calculations it is only $3200 2) Lender considered tax amount xxxxxx & whereas our calculation tax amount is xxxxxx) Lender considered the HOA amount $100 whereas our calculation amount is $8.33 - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Updated 1008/1003 showing updated HOA and tax amount. Liabilities stayed the same as we are omitting the mortgage since it was closed and proceeds were used for this loan - Seller-12/04/2025 | Resolved-Updated 1008/1003 provided, HOA and tax amount corrected. HTI/DTI now matching. - Due Diligence Vendor-12/05/2025 |  |  | 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853712 | xxxxxx | C A | Closed | xxxxxx | 2025-12-02 04:53 | 2026-01-14 07:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.837%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 310, 318 and the Final Closing disclosure on Pg#'s 144, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 329, 331. An interior and exterior appraisal was completed for this property – see pg# 27, 46 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 114, and confirmation the appraisal was delivered to the borrower – see Pg#'s 115 . The loan meets HPML guidelines. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.837%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 310, 318 and the Final Closing disclosure on Pg#'s 144, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 329, 331. An interior and exterior appraisal was completed for this property – see pg# 27, 46 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 114, and confirmation the appraisal was delivered to the borrower – see Pg#'s 115 . The loan meets HPML guidelines. - Due Diligence Vendor-12/02/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853939 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-11 05:12 | 2025-12-16 04:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist<br> - Due Diligence Vendor-12/16/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. cleared alerts - Seller-12/15/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report reflecting uncleared alerts, per xxxxxx guidelines dated 08/06/2025 page 27, required updated fraud report. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. cleared alerts - Seller-12/15/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist<br> - Due Diligence Vendor-12/16/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/16/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853939 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-11 04:36 | 2025-12-15 00:46 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-xxxxxx UCDP SSR (Collateral Underwriter) with a score of 2.0 was reviewed and accepted to support valuation at origination. - Due Diligence Vendor-02/10/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - score of 2 - Seller-12/12/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide secondary valuation, secondary valuation missing in file. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - score of 2 - Seller-12/12/2025 | Resolved-xxxxxx UCDP SSR (Collateral Underwriter) with a score of 2.0 was reviewed and accepted to support valuation at origination. - Due Diligence Vendor-02/10/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/15/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854028 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854031 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-23 00:20 | 2026-02-09 12:37 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-OFAC Check Not Completed and/or Cleared Exception page 463<br> Exception Reason: OTHER- Borrower is from xxxxxx an OFAC sanctioned Country but is not personally list ed on the OFAC sanction list. - Due Diligence Vendor-12/23/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-OFAC Check Not Completed and/or Cleared Exception page 463<br> Exception Reason: OTHER- Borrower is from xxxxxx an OFAC sanctioned Country but is not personally list ed on the OFAC sanction list. - Due Diligence Vendor-12/23/2025 | Credit Score - Loan File 752, GL Requirement min 700<br> DTI- Loan File 22.79, GL Requirement Max 50%<br> Residual Income - Loan File $35,842.92, GL Requirement $2500<br> Consumer Payment History - Loan File 0x30x60 months, GL Requirement 0x60x12 months<br> Job Stability- Loan File 9 years, GL Requirement 2 years | Credit Score - Loan File 752, GL Requirement min 700<br> DTI- Loan File 22.79, GL Requirement Max 50%<br> Residual Income - Loan File $35,842.92, GL Requirement $2500<br> Consumer Payment History - Loan File 0x30x60 months, GL Requirement 0x60x12 months<br> Job Stability- Loan File 9 years, GL Requirement 2 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 854031 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-22 22:05 | 2025-12-30 04:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/30/2025 | Credit Score - Loan File 752, GL Requirement min 700<br> DTI- Loan File 22.79, GL Requirement Max 50%<br> Residual Income - Loan File $35,842.92, GL Requirement $2500<br> Consumer Payment History - Loan File 0x30x60 months, GL Requirement 0x60x12 months<br> Job Stability- Loan File 9 years, GL Requirement 2 years | Credit Score - Loan File 752, GL Requirement min 700<br> DTI- Loan File 22.79%, GL Requirement Max 50%<br> Residual Income - Loan File $35,842.92, GL Requirement $2500<br> Consumer Payment History - Loan File 0x30x60 months, GL Requirement 0x60x12 months<br> Job Stability- Loan File 9 years, GL Requirement 2 years<br> Personal Guaranty with Full Recourse | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 854033 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-05 13:52 | 2025-12-10 06:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-12/10/2025 | DTI- Loan File 6.07% GL Requirement Max 50%<br> Residual Income- Loan File - $151,549.50, GL Requirement $2500<br> Housing Payment History- Loan File 0x30x43 months (primary residence), GL Requirement 1x30x12 months<br> Installment/Revolving History- Loan File 0x30x12 months, GL Requirement 0x60x12 months | DTI- Loan File 6.07% GL Requirement Max 50%<br> Residual Income- Loan File - $151,549.50, GL Requirement $2500<br> Housing Payment History- Loan File 0x30x43 months (primary residence), GL Requirement 1x30x12 months<br> Installment/Revolving History- Loan File 0x30x12 months, GL Requirement 0x60x12 months | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 854034 | xxxxxx | A | Closed | xxxxxx | 2025-12-14 10:09 | 2025-12-14 10:12 | Resolved | 1 - Information A | Compliance | xxxxxx | Fees: Limited | Resolved-xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "xxxxxx Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) Resolved. xxxxxx Foreclosure Prevention Fee is reflected on the xxxxxx Statement page 5 -17L Foreclosure Fairness to xxxxxx State Department of Commerce iao $80.00 - Due Diligence Vendor-12/14/2025 <br> Open- - Due Diligence Vendor-12/14/2025 |  | Resolved-xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "xxxxxx Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) Resolved. xxxxxx Foreclosure Prevention Fee is reflected on the xxxxxx Statement page 5 -17L Foreclosure Fairness to xxxxxx State Department of Commerce iao $80.00 - Due Diligence Vendor-12/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854035 | xxxxxx | C A | Closed | xxxxxx | 2025-12-09 09:05 | 2025-12-12 04:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Resolved, received bank statement with the balance used to qualify the loan. - Due Diligence Vendor-12/12/2025 <br> Resolved-Audited Reserves of 7.02 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Open-Audited Reserves of 5.79 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 5.79 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/10/2025 <br> Open-Audited Reserves of 4.13 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Resolved, received bank statement with the balance used to qualify the loan. - Due Diligence Vendor-12/12/2025 <br> Resolved-Audited Reserves of 7.02 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/12/2025 |  |  | xxxxxx_ 11_20_25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854036 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 22:23 | 2025-12-11 21:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Requested tax certificate with updated taxes that matches to final CD provided, updated & condition resolved. - Due Diligence Vendor-12/12/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Open-Missing Evidence of Property Tax Tax cert present in file on page 487-488 in which taxes given as xxxxxx but as per Final CD page 176 monthly taxes are xxxxxx, Provide updated tax cert with taxes of xxxxxx or PCCD with taxes of xxxxxx. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Requested tax certificate with updated taxes that matches to final CD provided, updated & condition resolved. - Due Diligence Vendor-12/12/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/12/2025 |  |  | xxxxxx Tax Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854038 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854039 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-03 05:14 | 2025-12-09 05:36 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Resolved Joint Access Letter for business acct - xxxxxx received - Due Diligence Vendor-12/09/2025 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Per Tax Preparer Attestation, borrower has 95% business ownership. Per GL, All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to funds in the account. Provide access letter for business acct - xxxxxx - Due Diligence Vendor-12/03/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Resolved Joint Access Letter for business acct - xxxxxx received - Due Diligence Vendor-12/09/2025 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-12/09/2025 | Client elects to waive with the following compensating factors:<br> 45.45% LTV is below the maximum 75% LTV by 29.55%.<br> 20.03% DTI is 50% below maximum DTI of 29.97%.<br> 768 Representative credit score exceeds the minimum required credit score of 700 by 68 Points. <br>|  | Joint Access Letter for xxxxxx xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854039 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-01 11:45 | 2025-12-03 05:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised LE dated xxxxxx on or about 10:49 pm received - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-TRID: Missing Closing Disclosure Loan File has Initial CD dated xxxxxx at 6:53 am and Revised LE dated xxxxxx at 11:16am. Provide Revised LE dated xxxxxx on or about 10:49 pm. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Resolved. Revised LE dated xxxxxx on or about 10:49 pm received - Due Diligence Vendor-12/03/2025 | Calculated DTI is 25.22 where as can use up to 50%<br> Credit score is 703 where as Min 700 is sufficient<br> Residual Income is $7, 277.53 where as $1650 ($1500 + $150 per dependent) is required.<br> Months reserves, only 3 months required, available is 6.45 months<br> Housing Payment History available is 0\*30\*12 months required is 0\*30\*6 months. |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854039 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-26 09:41 | 2025-12-03 04:57 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Executed Intent to Proceed Disclosure received - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide executed Intent to Proceed Disclosure - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Resolved. Executed Intent to Proceed Disclosure received - Due Diligence Vendor-12/03/2025 | 806 FICO. 720 Min.<br> 5.4% DTI. Max DTI 50%.<br> Over 56 months PITIA Reserves. 12 months PITI reserves min. |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854039 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-26 07:39 | 2025-12-03 05:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#430 and the Final Closing disclosure on Pg# 215 reflects escrows. Rate lock date was entered correctly see Pg.'s 473 An interior and exterior appraisal was completed for this property – see pg. 47 the appraisal disclosure was provided to the borrower(s)- see Pg#'562 and copy of the appraisal was given to the borrower see Pg# 289, 291. The loan meets HPML guidelines. - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Resolved-The loan's (8.761%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#430 and the Final Closing disclosure on Pg# 215 reflects escrows. Rate lock date was entered correctly see Pg.'s 473 An interior and exterior appraisal was completed for this property – see pg. 47 the appraisal disclosure was provided to the borrower(s)- see Pg#'562 and copy of the appraisal was given to the borrower see Pg# 289, 291. The loan meets HPML guidelines. - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-11/26/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#430 and the Final Closing disclosure on Pg# 215 reflects escrows. Rate lock date was entered correctly see Pg.'s 473 An interior and exterior appraisal was completed for this property – see pg. 47 the appraisal disclosure was provided to the borrower(s)- see Pg#'562 and copy of the appraisal was given to the borrower see Pg# 289, 291. The loan meets HPML guidelines. - Due Diligence Vendor-12/03/2025 <br> Resolved-The loan's (8.761%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#430 and the Final Closing disclosure on Pg# 215 reflects escrows. Rate lock date was entered correctly see Pg.'s 473 An interior and exterior appraisal was completed for this property – see pg. 47 the appraisal disclosure was provided to the borrower(s)- see Pg#'562 and copy of the appraisal was given to the borrower see Pg# 289, 291. The loan meets HPML guidelines. - Due Diligence Vendor-11/26/2025 | 29.66% DTI is 50% below the maximum DTI of 20.34%. <br> 791 Representative credit score exceeds the minimum required credit score of 740 by 51 Points. <br> Residual Income exceeds the minimum of 2500 by 3,157.06 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854041 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 23:16 | 2025-12-09 04:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Resolved, received bank statement calculator using 2025 instead of 2024. - Due Diligence Vendor-12/09/2025 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Counter-Counter, bank statement calculator in file show those months being used to calculate income. Missing bank statement calculator showing months actually used to calculate income. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-We have those months in 2025 so we have 12 months of bank statements. Wouldn't need them from 2024? - Seller-12/05/2025 <br> Open-Borrower 1 Business Bank Statements Missing Missing business bank statements for xxxxxx July, August and September 2024 statements. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Ready for Review-We have those months in 2025 so we have 12 months of bank statements. Wouldn't need them from 2024? - Seller-12/05/2025 | Resolved-Resolved, received bank statement calculator using 2025 instead of 2024. - Due Diligence Vendor-12/09/2025 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-12/09/2025 |  |  | xxxxxx Income Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854041 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 22:28 | 2025-12-04 12:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.843%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 357 and the Final Closing disclosure on Pg#'s 165, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 385. An interior and exterior appraisal was completed for this property – see pg 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 465, and confirmation the appraisal was delivered to the borrower – see Pg#'s 107. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 |  | Resolved-The loan's (7.843%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 357 and the Final Closing disclosure on Pg#'s 165, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 385. An interior and exterior appraisal was completed for this property – see pg 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 465, and confirmation the appraisal was delivered to the borrower – see Pg#'s 107. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854041 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 22:28 | 2025-12-04 12:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.843%) equals or exceeds the xxxxxx HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 357 and the Final Closing disclosure on Pg#'s 165, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 385. An interior and exterior appraisal was completed for this property – see pg 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 465, and confirmation the appraisal was delivered to the borrower – see Pg#'s 107. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 |  | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.843%) equals or exceeds the xxxxxx HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 357 and the Final Closing disclosure on Pg#'s 165, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 385. An interior and exterior appraisal was completed for this property – see pg 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 465, and confirmation the appraisal was delivered to the borrower – see Pg#'s 107. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854044 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 07:13 | 2025-12-09 03:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Resolved, received 4506 signed at closing. - Due Diligence Vendor-12/09/2025 <br> Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Borrower 1 Executed 4506-T Missing Missing 4506 signed at closing. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025 | Resolved-Resolved, received 4506 signed at closing. - Due Diligence Vendor-12/09/2025 <br> Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-12/09/2025 |  |  | xxxxxx funding docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854044 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 09:42 | 2025-12-08 07:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.129%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 256, 285 and the Final Closing disclosure on Pg#'s 101, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 285. An interior and exterior appraisal was completed for this property – see pg# 20, 38, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 366, and confirmation the appraisal was delivered to the borrower – see Pg#'s 130. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 |  | Resolved-The loan's (8.129%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 256, 285 and the Final Closing disclosure on Pg#'s 101, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 285. An interior and exterior appraisal was completed for this property – see pg# 20, 38, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 366, and confirmation the appraisal was delivered to the borrower – see Pg#'s 130. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854047 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 09:48 | 2025-12-11 07:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-12/11/2025 <br> Resolved-B2 Income worksheet provided. Resolved - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Co-Borrower is qualifying with wage income from the employer. Provide Lender/income worksheet - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-12/11/2025 <br> Resolved-B2 Income worksheet provided. Resolved - Due Diligence Vendor-12/11/2025 |  |  | xxxxxx Income Calc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854049 | xxxxxx | A | Closed | xxxxxx | 2025-12-13 00:55 | 2025-12-16 15:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.825%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 209 and the Final Closing disclosure on Pg#'s 90, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 238. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 304, and confirmation the appraisal was delivered to the borrower – see Pg#'s 120. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/13/2025 <br> Open- - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/13/2025 |  | Resolved-The loan's (7.825%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 209 and the Final Closing disclosure on Pg#'s 90, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 238. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 304, and confirmation the appraisal was delivered to the borrower – see Pg#'s 120. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854052 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 06:03 | 2025-12-08 03:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received loan estimate dated xxxxxx with corresponding change of circumstance. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Missing loan estimate dated xxxxxx with corresponding change of circumstance if applicable. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025 | Resolved-Resolved, received loan estimate dated xxxxxx with corresponding change of circumstance. - Due Diligence Vendor-12/08/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854052 | xxxxxx | D A | Closed | xxxxxx | 2025-12-04 22:57 | 2025-12-08 03:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-Resolved, While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 239 and the Final Closing disclosure on Pg#'s 128 reflects escrows. Rate lock date was entered correctly – see Pg#'s 290 An interior and exterior appraisal was completed for this property – see pg 39 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 27, 264 and copy of the appraisal was given to the borrower – see Pg#'s 27, 54 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Resolved-The loan's (8.818%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 239 and the Final Closing disclosure on Pg#'s 128 reflects escrows. Rate lock date was entered correctly – see Pg#'s 290 An interior and exterior appraisal was completed for this property – see pg 39 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 27, 264 and copy of the appraisal was given to the borrower – see Pg#'s 27, 54 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 |  | Resolved-Resolved, While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 239 and the Final Closing disclosure on Pg#'s 128 reflects escrows. Rate lock date was entered correctly – see Pg#'s 290 An interior and exterior appraisal was completed for this property – see pg 39 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 27, 264 and copy of the appraisal was given to the borrower – see Pg#'s 27, 54 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/08/2025 <br> Resolved-The loan's (8.818%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 239 and the Final Closing disclosure on Pg#'s 128 reflects escrows. Rate lock date was entered correctly – see Pg#'s 290 An interior and exterior appraisal was completed for this property – see pg 39 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 27, 264 and copy of the appraisal was given to the borrower – see Pg#'s 27, 54 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854054 | xxxxxx | D A | Closed | xxxxxx | 2025-12-14 06:26 | 2025-12-23 05:05 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Resolved. Acct statement dated 11/25/2025 for xxxxxx and acct statement dated 11/25/2025 for xxxxxx received. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Counter-Asset Worksheet received. Provide acct statement dated 11/25/2025 for xxxxxx and acct statement dated 11/25/2025 for xxxxxx - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-Provide Asset Worksheet - Due Diligence Vendor-12/14/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Resolved. Acct statement dated 11/25/2025 for xxxxxx and acct statement dated 11/25/2025 for xxxxxx received. - Due Diligence Vendor-12/23/2025 |  |  | Asset Worksheet.pdf<br> xxxxxx assets.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854054 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 04:27 | 2025-12-23 05:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 3 Missing | Resolved-Resolved. Evidence of earnest money deposit iao $14,000 received. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-Provide evidence of Earnest money deposit iao $14,000 - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Resolved. Evidence of earnest money deposit iao $14,000 received. - Due Diligence Vendor-12/23/2025 |  |  | xxxxxx assets.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854054 | xxxxxx | D A | Closed | xxxxxx | 2025-12-13 10:35 | 2025-12-23 03:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Requested updated DOT with PUD Rider selection provided, updated & condition resolved. - Due Diligence Vendor-12/23/2025 <br> Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-The Deed of Trust is Incomplete Appraisal reflects property type is PUD; however, PUD is not checked on the DOT. Provide updated DOT - Due Diligence Vendor-12/13/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Requested updated DOT with PUD Rider selection provided, updated & condition resolved. - Due Diligence Vendor-12/23/2025 <br> Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-12/23/2025 |  |  | xxxxxx Deed and Rider.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854054 | xxxxxx | D A | Closed | xxxxxx | 2025-12-11 08:16 | 2025-12-23 03:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Requested PUD Rider provided, updated & condition resolved. - Due Diligence Vendor-12/23/2025 <br> Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-PUD Rider is Missing Appraisal reflects property type is PUD; however, PUD is not checked on the DOT. Confirm property is a PUD and provide PUD Rider. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Requested PUD Rider provided, updated & condition resolved. - Due Diligence Vendor-12/23/2025 <br> Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-12/23/2025 |  |  | xxxxxx Deed and Rider.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854054 | xxxxxx | D A | Closed | xxxxxx | 2025-12-14 06:37 | 2025-12-16 04:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Resolved. VOR received. - Due Diligence Vendor-12/16/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. 1003 reflects borrower rents for 7.8 years iao $1980. Provide VOR and supporting documentation. - Due Diligence Vendor-12/14/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Resolved. VOR received. - Due Diligence Vendor-12/16/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-12/16/2025 |  |  | Gap and other credit.pdf<br>Gap and other credit.pdf<br>Credit Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854054 | xxxxxx | D A | Closed | xxxxxx | 2025-12-14 06:37 | 2025-12-16 04:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Resolved. Gap Credit Report received. - Due Diligence Vendor-12/16/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/14/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Resolved. Gap Credit Report received. - Due Diligence Vendor-12/16/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/16/2025 |  |  | Gap and other credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854054 | xxxxxx | D A | Closed | xxxxxx | 2025-12-11 08:03 | 2025-12-16 04:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Credit report provided, updated & condition resolved. - Due Diligence Vendor-12/16/2025 <br> Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing from file. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Requested Credit report provided, updated & condition resolved. - Due Diligence Vendor-12/16/2025 <br> Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/16/2025 |  |  | Gap and other credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854054 | xxxxxx | D A | Closed | xxxxxx | 2025-12-14 06:21 | 2025-12-16 04:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-Resolved. ITIN letter received. - Due Diligence Vendor-12/16/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. - Due Diligence Vendor-12/14/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Resolved. ITIN letter received. - Due Diligence Vendor-12/16/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-12/16/2025 |  |  | xxxxxx ITIN Letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854057 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-17 10:08 | 2025-12-18 05:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/18/2025 <br> Resolved-Resolved. HOI Policy with premium amount received. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Open-Provide HOI Premium Invoice iao $879.96 with monthly payments iao $73.33/month - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/18/2025 <br> Resolved-Resolved. HOI Policy with premium amount received. - Due Diligence Vendor-12/18/2025 |  |  | xxxxxx HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854057 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-17 07:52 | 2025-12-17 07:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception page 607<br> Reserves- Loan File 2.31 months, GL Requirement Min 3 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/17/2025 |  | Waived-Exception page 607<br> Reserves- Loan File 2.31 months, GL Requirement Min 3 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/17/2025 | DTI- Loan File 23.04% GL Requirement Max 50%<br> Credit Score- Loan File 788, GL Requirement Min 700<br> Residual Income- Loan File $7,722.17,, GL Requirement $1500 + $150 x 1 dependent= $11650<br> Tradelines- Loan File 2 trades for 60+ months and 2 trades for 20+ months, GL Requirement 2 for 18 months or 3 for 12 months<br> Housing Payment History- Loan File 0x30x19 months, GL Requirement 0x30x6 months<br> Job Stability- Loan File SE 15 yrs, GL Requirement SE 1 yr | DTI- Loan File 23.04% GL Requirement Max 50%<br> Credit Score- Loan File 788, GL Requirement Min 700<br> Residual Income- Loan File $7,722.17,, GL Requirement $1500 + $150 x 1 dependent= $11650<br> Tradelines- Loan File 2 trades for 60+ months and 2 trades for 20+ months, GL Requirement 2 for 18 months or 3 for 12 months<br> Housing Payment History- Loan File 0x30x19 months, GL Requirement 0x30x6 months<br> Job Stability- Loan File SE 15 yrs, GL Requirement SE 1 yr |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854057 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-15 03:33 | 2025-12-17 09:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.772%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 526 and the Final Closing disclosure on Pg#'s 199 reflects escrows. Rate lock date was entered correctly – see Pg#'s 599. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 654 , and copy of the appraisal was given to the borrower – see Pg#'s 63 and 167 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/15/2025 |  | Resolved-The loan's (7.772%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 526 and the Final Closing disclosure on Pg#'s 199 reflects escrows. Rate lock date was entered correctly – see Pg#'s 599. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 654 , and copy of the appraisal was given to the borrower – see Pg#'s 63 and 167 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854058 | xxxxxx | B A | Closed | xxxxxx | 2025-12-05 05:03 | 2025-12-08 07:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 430 <br> Min Borrower Contribution - Loan File 4%, GL Requirement 5% of sales price<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-12/05/2025 |  | Waived-Loan does not conform to program guidelines Exception page 430 <br> Min Borrower Contribution - Loan File 4%, GL Requirement 5% of sales price<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-12/05/2025 | DTI - Loan File 38.5%, GL Requirement Mx 50%.<br> Housing Payment History is 0X30x12 months, GL Requirement 0X30x6 months.<br> Residual Income - Loan File $7,621.35. GL Requirement Min $2,100 <br> Job Stability - Loan File 5 yrs SE, GL Requirement 1 yr SE | DTI - Loan File 38.5%, GL Requirement Mx 50%.<br> Housing Payment History is 0X30x12 months, GL Requirement 0X30x6 months.<br> Residual Income - Loan File $7,621.35. GL Requirement Min $2,100 <br> Job Stability - Loan File 5 yrs SE, GL Requirement 1 yr SE |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854058 | xxxxxx | B A | Closed | xxxxxx | 2025-12-05 04:48 | 2025-12-08 08:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.609%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 396 and the Final Closing disclosure on Pg#'s 231 , reflects escrows. Rate lock date was entered correctly – see Pg#'s 432. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 482, and confirmation the appraisal was delivered to the borrower – see Pg#'s 215. The loan meets HPML guidelines. - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/05/2025 |  | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.609%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 396 and the Final Closing disclosure on Pg#'s 231 , reflects escrows. Rate lock date was entered correctly – see Pg#'s 432. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 482, and confirmation the appraisal was delivered to the borrower – see Pg#'s 215. The loan meets HPML guidelines. - Due Diligence Vendor-12/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854058 | xxxxxx | B A | Closed | xxxxxx | 2025-12-05 04:48 | 2025-12-08 08:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.609%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 396 and the Final Closing disclosure on Pg#'s 231 , reflects escrows. Rate lock date was entered correctly – see Pg#'s 432. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 482, and confirmation the appraisal was delivered to the borrower – see Pg#'s 215. The loan meets HPML guidelines. - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/05/2025 |  | Resolved-The loan's (8.609%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 396 and the Final Closing disclosure on Pg#'s 231 , reflects escrows. Rate lock date was entered correctly – see Pg#'s 432. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 482, and confirmation the appraisal was delivered to the borrower – see Pg#'s 215. The loan meets HPML guidelines. - Due Diligence Vendor-12/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854059 | xxxxxx | C A | Closed | xxxxxx | 2025-12-03 19:03 | 2025-12-08 03:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Resolved, received HOI dec page with corrected date of closing. - Due Diligence Vendor-12/08/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Resolved, received HOI dec page with corrected date of closing. - Due Diligence Vendor-12/08/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/08/2025 |  |  | EOI - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854060 | xxxxxx | A | Closed | xxxxxx | 2025-12-05 03:52 | 2025-12-05 10:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.861%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 376 and the Final Closing disclosure on Pg#'s 208 reflects escrows. Rate lock date was entered correctly – see Pg#'s 410 An interior and exterior appraisal was completed for this property – see pg 31 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 500 and copy of the appraisal was given to the borrower – see Pg#'s 265 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 |  | Resolved-The loan's (7.861%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 376 and the Final Closing disclosure on Pg#'s 208 reflects escrows. Rate lock date was entered correctly – see Pg#'s 410 An interior and exterior appraisal was completed for this property – see pg 31 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 500 and copy of the appraisal was given to the borrower – see Pg#'s 265 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854061 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 03:33 | 2025-12-12 04:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received executed final closing disclosure (CD). - Due Diligence Vendor-12/12/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. You answered the question by just copying the same condition? I'll have to guess and assume you mean the closing CD. - Seller-12/11/2025 <br> Counter-Missing final closing disclosure (CD) signed by the borrower. Final closing disclosure (CD) must have a signature. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Not needed when you have the disclosure tracking. Do you mean the closing CD? - Seller-12/10/2025 <br> Open-TRID: Missing Final Closing Disclosure Missing borrowers signature on the Final Closing Disclosure. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. You answered the question by just copying the same condition? I'll have to guess and assume you mean the closing CD. - Seller-12/11/2025 <br> Ready for Review-Document Uploaded. Not needed when you have the disclosure tracking. Do you mean the closing CD? - Seller-12/10/2025 | Resolved-Resolved, received executed final closing disclosure (CD). - Due Diligence Vendor-12/12/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/12/2025 |  |  | xxxxxx CD.pdf<br> Closing CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854061 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 03:57 | 2025-12-09 07:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.093%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) Resolved, This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 397 and the Final Closing disclosure on Pg#'s 270 reflects escrows. Rate lock date was entered correctly – see Pg#'s 421 An interior and exterior appraisal was completed for this property – see pg 48 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 19, 419 and copy of the appraisal was given to the borrower – see Pg#'s 19, 247 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 |  | Resolved-The loan's (9.093%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) Resolved, This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 397 and the Final Closing disclosure on Pg#'s 270 reflects escrows. Rate lock date was entered correctly – see Pg#'s 421 An interior and exterior appraisal was completed for this property – see pg 48 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 19, 419 and copy of the appraisal was given to the borrower – see Pg#'s 19, 247 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854063 | xxxxxx | A | Closed | xxxxxx | 2025-12-11 00:15 | 2025-12-12 08:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.714%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 403, and the Final Closing disclosure on Pg#'s 251, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 494, and confirmation the appraisal was delivered to the borrower – see Pg#'s 233. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-The loan's (8.714%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 403, and the Final Closing disclosure on Pg#'s 251, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 428. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 494, and confirmation the appraisal was delivered to the borrower – see Pg#'s 233. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854064 | xxxxxx | D A | Closed | xxxxxx | 2025-12-13 09:48 | 2025-12-16 04:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised CD dated xxxxxx and COC received - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated on or about xxxxxx and related COC - Due Diligence Vendor-12/13/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025 | Resolved-Resolved. Revised CD dated xxxxxx and COC received - Due Diligence Vendor-12/16/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854064 | xxxxxx | D A | Closed | xxxxxx | 2025-12-10 04:28 | 2025-12-16 04:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. Revised CD dated xxxxxx and COC received - Due Diligence Vendor-12/16/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State, Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the increase in the Loan Amount, Broker Fees and Doc Tax Stamps/Transfer Taxes – State, from the Initial CD to the Final CD - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/13/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025 | Resolved-Resolved. Revised CD dated xxxxxx and COC received - Due Diligence Vendor-12/16/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854064 | xxxxxx | D A | Closed | xxxxxx | 2025-12-10 04:28 | 2025-12-16 05:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 449 and the Final Closing disclosure on Pg# 279 reflects escrows. Rate lock date was entered correctly see Pg# 488 An interior and exterior appraisal was completed for this property – see Page# 28 the appraisal disclosure was provided to the borrower(s)- see Pg# 535, and copy of the appraisal was given to the borrower see Pg# 380-382 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/16/2025 <br> Resolved-The loan's (9.374%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 449 and the Final Closing disclosure on Pg# 279 reflects escrows. Rate lock date was entered correctly see Pg# 488 An interior and exterior appraisal was completed for this property – see Page# 28 the appraisal disclosure was provided to the borrower(s)- see Pg# 535, and copy of the appraisal was given to the borrower see Pg# 380-382 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/13/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 449 and the Final Closing disclosure on Pg# 279 reflects escrows. Rate lock date was entered correctly see Pg# 488 An interior and exterior appraisal was completed for this property – see Page# 28 the appraisal disclosure was provided to the borrower(s)- see Pg# 535, and copy of the appraisal was given to the borrower see Pg# 380-382 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2025 <br> Resolved-The loan's (9.374%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 449 and the Final Closing disclosure on Pg# 279 reflects escrows. Rate lock date was entered correctly see Pg# 488 An interior and exterior appraisal was completed for this property – see Page# 28 the appraisal disclosure was provided to the borrower(s)- see Pg# 535, and copy of the appraisal was given to the borrower see Pg# 380-382 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-12/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854066 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854070 | xxxxxx | B A | Closed | xxxxxx | 2025-12-04 05:12 | 2025-12-05 07:13 | Waived | 2 - Non-Material B | Credit | Credit | Residual income requirement not met. | Waived-Exception page 366-367 <br> Min Residual Income - Loan File $2330.10, GL Requirement $1500 + $900 ($150 x 6 dependents per 1040)= $2400 min Residual Income<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/04/2025 |  | Waived-Exception page 366-367 <br> Min Residual Income - Loan File $2330.10, GL Requirement $1500 + $900 ($150 x 6 dependents per 1040)= $2400 min Residual Income<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/04/2025 | DTI is 39.81%. Maximum allowed per guidelines is 50%.<br> LTV is 51.72%. Maximum allowed per guidelines is 75%.<br> Credit Score is 778. Minimum required per guidelines is 700.<br> Borrower(s) have 99.41 months Reserves. Minimum required per guidelines is 3 months. | DTI is 39.81%. Maximum allowed per guidelines is 50%.<br> LTV is 51.72%. Maximum allowed per guidelines is 75%.<br> Credit Score is 778. Minimum required per guidelines is 700.<br> Borrower(s) have 99.41 months Reserves. Minimum required per guidelines is 3 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 854071 | xxxxxx | A | Closed | xxxxxx | 2025-12-08 11:31 | 2025-12-10 05:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.092%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 155, 165 and the Final Closing disclosure on Pg#'s 64, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 179. An interior and exterior appraisal was completed for this property – see pg# 24, 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 233, and confirmation the appraisal was delivered to the borrower – see Pg#'s 45. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 |  | Resolved-The loan's (8.092%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 155, 165 and the Final Closing disclosure on Pg#'s 64, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 179. An interior and exterior appraisal was completed for this property – see pg# 24, 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 233, and confirmation the appraisal was delivered to the borrower – see Pg#'s 45. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854072 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854073 | xxxxxx | C A | Closed | xxxxxx | 2025-12-12 10:20 | 2025-12-15 04:48 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Resolved. Final 1003 for B1 and B2 received - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Open-B1 Final 1003 is incomplete and B2 is Missing. Provide complete Final 1003 for B1 and B2. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025 | Resolved-Resolved. Final 1003 for B1 and B2 received - Due Diligence Vendor-12/15/2025 |  |  | 1003s.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854073 | xxxxxx | C A | Closed | xxxxxx | 2025-12-11 09:02 | 2025-12-12 11:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.822%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 511 and the Final Closing disclosure on Pg#'s 125, reflects escrows. Rate lock date was entered correctly – see Pg#'s 579. An interior and exterior appraisal was completed for this property – see pg 38, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 640, and confirmation the appraisal was delivered to the borrower – see Pg#'s 322. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.822%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 511 and the Final Closing disclosure on Pg#'s 125, reflects escrows. Rate lock date was entered correctly – see Pg#'s 579. An interior and exterior appraisal was completed for this property – see pg 38, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 640, and confirmation the appraisal was delivered to the borrower – see Pg#'s 322. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854073 | xxxxxx | C A | Closed | xxxxxx | 2025-12-11 09:02 | 2025-12-12 11:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.822%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 511 and the Final Closing disclosure on Pg#'s 125, reflects escrows. Rate lock date was entered correctly – see Pg#'s 579. An interior and exterior appraisal was completed for this property – see pg 38, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 640, and confirmation the appraisal was delivered to the borrower – see Pg#'s 322. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-The loan's (7.822%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 511 and the Final Closing disclosure on Pg#'s 125, reflects escrows. Rate lock date was entered correctly – see Pg#'s 579. An interior and exterior appraisal was completed for this property – see pg 38, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 640, and confirmation the appraisal was delivered to the borrower – see Pg#'s 322. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854074 | xxxxxx | A | Closed | xxxxxx | 2025-12-02 22:24 | 2025-12-04 07:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.991%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 225, and the Final Closing disclosure on Pg#'s 82, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 250. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 11, 245, 73, 189, and confirmation the appraisal was delivered to the borrower – see Pg#'s 361. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/03/2025 | The loan meets HPML guidelines, resolved. - 12/04/2025 <br>| Resolved-The loan's (7.991%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 225, and the Final Closing disclosure on Pg#'s 82, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 250. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 11, 245, 73, 189, and confirmation the appraisal was delivered to the borrower – see Pg#'s 361. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854076 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-29 02:37 | 2026-01-06 05:25 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. COC for the increase in the Loan Amount on the Revised LE dated xxxxxx to xxxxxx received, - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Counter-COC for the Final CD received. The COC dated xxxxxx provided does not address the increase of the Loan Amount. Provide COC for the increase in the Loan Amount on the Revised LE dated xxxxxx to xxxxxx which will address the increase of the the Broker to $7766 - Due Diligence Vendor-12/31/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the increase in the Loan Amount on the Revised LE dated xxxxxx to xxxxxx and the Broker Fees increased to $7766 and the changed in Points - Loan Discount Fee on the FInal CD to 0.54% iao $1524.96 - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026 <br>Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-Resolved. COC for the increase in the Loan Amount on the Revised LE dated xxxxxx to xxxxxx received, - Due Diligence Vendor-01/06/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> CC xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854076 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-29 04:42 | 2025-12-31 09:11 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception page: 304.<br> Exception Reason: Exception required due to restructure of business from sole proprietor to LLC less than one year ago<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/29/2025 |  | Waived-Exception page: 304.<br> Exception Reason: Exception required due to restructure of business from sole proprietor to LLC less than one year ago<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/29/2025 | Calculated DTI is 25.22 where as can use up to 50%<br> Credit score is 703 where as Min 700 is sufficient<br> Residual Income is $7, 277.53 where as $1650 ($1500 + $150 per dependent) is required.<br> Months reserves, only 3 months required, available is 6.45 months<br> Housing Payment History available is 0\*30\*12 months required is 0\*30\*6 months. | Calculated DTI is 25.22 where as can use up to 50%<br> Credit score is 703 where as Min 700 is sufficient<br> Residual Income is $7, 277.53 where as $1650 ($1500 + $150 per dependent) is required.<br> Months reserves, only 3 months required, available is 6.45 months<br> Housing Payment History available is 0\*30\*12 months required is 0\*30\*6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854076 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-29 02:37 | 2026-01-06 05:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Resolved-The loan's (8.397%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s279 and the Final Closing disclosure on Pg#'s 110 reflects escrows. Rate lock date was entered correctly – see Pg#'s306. An interior and exterior appraisal was completed for this property – see pg 21 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s348-349 , and copy of the appraisal was given to the borrower – see Pg#'s157 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/29/2025 |  | Resolved-The loan's (8.397%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s279 and the Final Closing disclosure on Pg#'s 110 reflects escrows. Rate lock date was entered correctly – see Pg#'s306. An interior and exterior appraisal was completed for this property – see pg 21 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s348-349 , and copy of the appraisal was given to the borrower – see Pg#'s157 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/29/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854077 | xxxxxx | B A | Closed | xxxxxx | 2025-12-13 05:51 | 2025-12-13 05:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 2.73 month(s) are less than Guideline Required Reserves of 3 month(s) Exception page 256<br> Reserves- Loan File 2.73 months, GL Requirement 3.0 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/13/2025 |  | Waived-Audited Reserves of 2.73 month(s) are less than Guideline Required Reserves of 3 month(s) Exception page 256<br> Reserves- Loan File 2.73 months, GL Requirement 3.0 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/13/2025 | DTI- Loan File 39.13%, GL Requirement Max 50%<br> Credit Score - Loan File 769, GL Requirement Min 700<br> Residual Income - Loan File $4092.01, GL Requirement $1500<br> Housing Payment History - Loan File 0x30x12 months, GL Requirement 0x30x6 months<br> Job Stability- Loan File 3 yrs, GL Requirement 1 yr | DTI- Loan File 39.13%, GL Requirement Max 50%<br> Credit Score - Loan File 769, GL Requirement Min 700<br> Residual Income - Loan File $4092.01, GL Requirement $1500<br> Housing Payment History - Loan File 0x30x12 months, GL Requirement 0x30x6 months<br> Job Stability- Loan File 3 yrs, GL Requirement 1 yr<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854078 | xxxxxx | C A | Closed | xxxxxx | 2025-12-17 00:51 | 2025-12-19 12:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-12/19/2025 <br> Resolved- - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for loan discount fee increasing to $475 on final CD. - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Resolved. Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-12/19/2025 <br> Resolved- - Due Diligence Vendor-12/19/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Rate and Term | N/A | N/A | xxxxxx |
| 854079 | xxxxxx | D A | Closed | xxxxxx | 2025-12-09 07:58 | 2025-12-10 04:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Resolved, 2 months bank statements provided. - Due Diligence Vendor-12/10/2025 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-Borrower 1 Business Bank Statements Missing Files with LTV over 70%:<br> ✓ The most recent 2 months bank statements are required, and the average deposits must support the P&L Gross income within a 35% tolerance.<br> ✓ If validated within 35%, the monthly net income average from the P&L may be used for qualifying income.<br> 80% LTV missing bank statements. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-Resolved, 2 months bank statements provided. - Due Diligence Vendor-12/10/2025 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-12/10/2025 |  |  | Business Checking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854079 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 02:20 | 2025-12-09 07:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.767%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 330, 346 and the Final Closing disclosure on Pg#'s 111, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 346 . An interior and exterior appraisal was completed for this property – see pg# 30, 42 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 398, and confirmation the appraisal was delivered to the borrower – see Pg#'s 368. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 |  | Resolved-The loan's (7.767%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 330, 346 and the Final Closing disclosure on Pg#'s 111, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 346 . An interior and exterior appraisal was completed for this property – see pg# 30, 42 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 398, and confirmation the appraisal was delivered to the borrower – see Pg#'s 368. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854080 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 01:39 | 2025-12-08 02:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Resolved, received Self-Employed Business Narrative. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Self-Employed Business Narrative document is missing in file - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Resolved, received Self-Employed Business Narrative. - Due Diligence Vendor-12/08/2025 |  |  | Business Narrative-updated.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854080 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 00:16 | 2025-12-05 06:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.877%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 325, and the Final Closing disclosure on Pg#'s 106, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 358. An interior and exterior appraisal was completed for this property – see pg 48-55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 352, and confirmation the appraisal was delivered to the borrower – see Pg#'s 31. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 |  | Resolved-The loan's (8.877%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 325, and the Final Closing disclosure on Pg#'s 106, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 358. An interior and exterior appraisal was completed for this property – see pg 48-55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 352, and confirmation the appraisal was delivered to the borrower – see Pg#'s 31. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854121 | xxxxxx | C A | Closed | xxxxxx | 2025-11-24 03:44 | 2025-12-01 23:54 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/02/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Cleared alerts<br> - Seller-12/01/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report reflecting uncleared Alerts, per xxxxxx guidelines dated 08/06/2025 page 27, required updated fraud report. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Cleared alerts<br> - Seller-12/01/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/02/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/02/2025 | Qual Score >20 points above min 718, Min 680<br> Months Reserves > 3 above min 134 Min 6<br> Borrower signed a personal guaranty. |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854222 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854302 | xxxxxx | C A | Closed | xxxxxx | 2025-12-14 21:50 | 2025-12-17 17:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-12/17/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 09.05.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 242) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-12/17/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/18/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854869 | xxxxxx | D A | Closed | xxxxxx | 2025-12-31 07:34 | 2026-01-06 04:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. Resolved - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosures (CD) dated xxxxxx (Initial CD) and xxxxxx (Revised CD) with corresponding change of circumstances (COC's) if applicable. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Initial CD provided. Resolved - Due Diligence Vendor-01/06/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854876 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854970 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 10:35 | 2025-12-23 03:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, all CD's received with corresponding COC's. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosures (CD's) dated xxxxxx and xxxxxx with corresponding change of circumstances if applicable. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025 | Resolved-Resolved, all CD's received with corresponding COC's. - Due Diligence Vendor-12/23/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855073 | xxxxxx | D A | Closed | xxxxxx | 2025-10-22 09:28 | 2025-10-23 06:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received loan estimates and COC's dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Resolved, received loan estimates and COC's dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Per disclosure tracking summary missing revised loan estimates and COC's dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Resolved, received loan estimates and COC's dated xxxxxx and xxxxxx. - Due Diligence Vendor-10/23/2025 | DSCR - Loan File 1.327, GL Requirement Minimum 0.<br> Credit Score - Loan File 804, GL Requirement Minimum 680.<br> Reserves - Loan File 103.19 months, GL Requirement Minimum 12 months<br> LTV- Loan File 52.63%, GL Requirement Maximum 65% |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855073 | xxxxxx | D A | Closed | xxxxxx | 2025-10-18 20:50 | 2026-02-09 14:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Resolved-The loan's (8.052%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 563, 583 and the Final Closing disclosure on Pg#'s 263. Rate lock date was entered correctly – see Pg#'s 621. An interior and exterior appraisal was completed for this property – see pg# 95, 103 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 754, and confirmation the appraisal was delivered to the borrower – see Pg#'s 378. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/23/2025 <br> Open- - Due Diligence Vendor-10/23/2025 <br> Resolved-The loan's (8.052%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 563, 583 and the Final Closing disclosure on Pg#'s 263. Rate lock date was entered correctly – see Pg#'s 621. An interior and exterior appraisal was completed for this property – see pg# 95, 103 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 754, and confirmation the appraisal was delivered to the borrower – see Pg#'s 378. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-10/19/2025 <br> Open- - Due Diligence Vendor-10/22/2025 <br> Open- - Due Diligence Vendor-10/19/2025 |  | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-02/09/2026 <br> Resolved-The loan's (8.052%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 563, 583 and the Final Closing disclosure on Pg#'s 263. Rate lock date was entered correctly – see Pg#'s 621. An interior and exterior appraisal was completed for this property – see pg# 95, 103 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 754, and confirmation the appraisal was delivered to the borrower – see Pg#'s 378. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-The loan's (8.052%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 563, 583 and the Final Closing disclosure on Pg#'s 263. Rate lock date was entered correctly – see Pg#'s 621. An interior and exterior appraisal was completed for this property – see pg# 95, 103 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 754, and confirmation the appraisal was delivered to the borrower – see Pg#'s 378. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-10/19/2025 | DSCR is 1.327, Minimum required per guidelines is 1.<br> Credit Score is 804. Minimum required per guidelines is 700.<br> Borrower(s) have 103.19 months Reserves. Minimum required per guidelines is 12 months.<br> LTV is 52.63%. Maximum allowed per guidelines is 65%.<br> Personal Guaranty with Full Recourse |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855096 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-10 05:51 | 2026-02-09 12:36 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Exception to allow DSCR ratio of .78 calculated using IO payment - Due Diligence Vendor-12/16/2025 <br> Ready for Review-The LTV is 5% below guidelines. Please clarify what is needed. - Seller-12/12/2025 <br> Open-Per GL minimum DSCR is 0.85, however calculated DSCR is 0.78, and exception provided on page #420. Exception to allow DSCR ratio of .78 calculated using IO payment P&I - Due Diligence Vendor-12/10/2025 | Ready for Review-The LTV is 5% below guidelines. Please clarify what is needed. - Seller-12/12/2025<br>| Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Exception to allow DSCR ratio of .78 calculated using IO payment - Due Diligence Vendor-12/16/2025 | LTV is 65%. Maximum allowed per guidelines is 70%<br> High FICO 775<br> 0x30x12+ | LTV is 65%. Maximum allowed per guidelines is 70%<br> High FICO 775<br> 0x30x12+ |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 855096 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-09 08:00 | 2026-02-09 12:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Exception to allow 6.83 months reserves vs guideline - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-12/12/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) Audited Reserves of months are less than Guideline Required Reserves of 12 months shortage amount of -$238,135.2 - Due Diligence Vendor-12/09/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Exception to allow 6.83 months reserves vs guideline - Due Diligence Vendor-12/16/2025 | LTV is 65%. Maximum allowed per guidelines is 70%<br> High FICO 775<br> 0x30x12+ | LTV 65%<br> FICO 775<br> 0x30x12+ | xxxxxx Exception IO DSCR .78.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 855114 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855444 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 10:27 | 2026-01-06 03:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Updated 1003 shows Borrower Citizenship as xxxxxx Citizen. - Due Diligence Vendor-01/06/2026 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/05/2026 <br> Open-Borrower 1 Non-xxxxxx Identification Document Missing. Please provide acceptable documentation. Borrower is permanent resident alien as per final 1003 but permanent resident card is missing in file. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-01/05/2026<br>| Resolved-Updated 1003 shows Borrower Citizenship as xxxxxx Citizen. - Due Diligence Vendor-01/06/2026 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/06/2026 |  |  | Post-CloseURLA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855470 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856243 | xxxxxx | A | Closed | xxxxxx | 2025-12-16 01:13 | 2025-12-17 12:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.052%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.19%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 508, and the Final Closing disclosure on Pg#'s 222, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 561. An interior and exterior appraisal was completed for this property – see pg 58-62, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 539, and confirmation the appraisal was delivered to the borrower – see Pg#'s 47. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/16/2025 |  | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.052%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.19%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 508, and the Final Closing disclosure on Pg#'s 222, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 561. An interior and exterior appraisal was completed for this property – see pg 58-62, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 539, and confirmation the appraisal was delivered to the borrower – see Pg#'s 47. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/16/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856243 | xxxxxx | A | Closed | xxxxxx | 2025-12-16 01:13 | 2025-12-17 12:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.052%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 508, and the Final Closing disclosure on Pg#'s 222, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 561. An interior and exterior appraisal was completed for this property – see pg 58-62, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 539, and confirmation the appraisal was delivered to the borrower – see Pg#'s 47. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/16/2025 |  | Resolved-The loan's (8.052%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 508, and the Final Closing disclosure on Pg#'s 222, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 561. An interior and exterior appraisal was completed for this property – see pg 58-62, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 539, and confirmation the appraisal was delivered to the borrower – see Pg#'s 47. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/16/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856249 | xxxxxx | A | Closed | xxxxxx | 2026-01-15 04:23 | 2026-01-15 09:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.378%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 460 and the Final Closing disclosure on Pg#'s 249 reflects escrows. Rate lock date was entered correctly – see Pg#'s481. An interior and exterior appraisal was completed for this property – see pg1 8 and 59, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 542, and copy of the appraisal was given to the borrower – see Pg#'s 299 and 300 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 |  | Resolved-The loan's (8.378%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 460 and the Final Closing disclosure on Pg#'s 249 reflects escrows. Rate lock date was entered correctly – see Pg#'s481. An interior and exterior appraisal was completed for this property – see pg1 8 and 59, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 542, and copy of the appraisal was given to the borrower – see Pg#'s 299 and 300 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/15/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856250 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856253 | xxxxxx | B A | Closed | xxxxxx | 2026-01-06 23:34 | 2026-02-09 12:38 | Waived | 2 - Non-Material B | Credit | Closing | Collections, liens or judgments not paid at closing | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Borrower has a $xxxxxx judgment showing on the Data Verify report. Borrower is stating that this is not hers and guidelines require judgments > $5,000 to be paid. Exception to max dollar amount to remain open. - Due Diligence Vendor-01/07/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Borrower has a $xxxxxx judgment showing on the Data Verify report. Borrower is stating that this is not hers and guidelines require judgments > $5,000 to be paid. Exception to max dollar amount to remain open. - Due Diligence Vendor-01/07/2026 | Client elects to waive with the following compensating factors:<br> 45.45% LTV is below the maximum 75% LTV by 29.55%.<br> 20.03% DTI is 50% below maximum DTI of 29.97%.<br> 768 Representative credit score exceeds the minimum required credit score of 700 by 68 Points. | Client elects to waive with the following compensating factors:<br> 45.45% LTV is below the maximum 75% LTV by 29.55%.<br> 20.03% DTI is 50% below maximum DTI of 29.97%.<br> 768 Representative credit score exceeds the minimum required credit score of 700 by 68 Points. <br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 856254 | xxxxxx | C A | Closed | xxxxxx | 2026-01-05 01:07 | 2026-01-06 04:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved, received revised CD date xxxxxx and COC . - Due Diligence Vendor-01/06/2026 <br> Resolved- - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-COC not provided for increased CDA fee added to final CD. - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Resolved, received revised CD date xxxxxx and COC . - Due Diligence Vendor-01/06/2026 |  |  | CC CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856254 | xxxxxx | C A | Closed | xxxxxx | 2026-01-05 01:07 | 2026-01-06 04:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-Resolved, 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#'s595 ____ and the Final Closing disclosure on Pg#'s385 ____ reflects escrows. Rate lock date was entered correctly – see Pg#'s 635_____ An interior and exterior appraisal was completed for this property – see pg 33-41____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s51___ , and copy of the appraisal was given to the borrower – see Pg#'s692 _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Resolved-The loan's (8.521%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s595 ____ and the Final Closing disclosure on Pg#'s385 ____ reflects escrows. Rate lock date was entered correctly – see Pg#'s 635_____ An interior and exterior appraisal was completed for this property – see pg 33-41____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s51___ , and copy of the appraisal was given to the borrower – see Pg#'s692 _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 |  | Resolved-Resolved, 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#'s595 ____ and the Final Closing disclosure on Pg#'s385 ____ reflects escrows. Rate lock date was entered correctly – see Pg#'s 635_____ An interior and exterior appraisal was completed for this property – see pg 33-41____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s51___ , and copy of the appraisal was given to the borrower – see Pg#'s692 _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/06/2026 <br> Resolved-The loan's (8.521%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s595 ____ and the Final Closing disclosure on Pg#'s385 ____ reflects escrows. Rate lock date was entered correctly – see Pg#'s 635_____ An interior and exterior appraisal was completed for this property – see pg 33-41____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s51___ , and copy of the appraisal was given to the borrower – see Pg#'s692 _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/05/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856257 | xxxxxx | D A | Closed | xxxxxx | 2025-12-30 03:12 | 2025-12-30 03:33 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-Resolved, This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 292 and the Final Closing disclosure on page 109 reflects escrows. Rate lock date was entered correctly – see page 306. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 414 and copy of the appraisal was given to the borrower – see page 88. The loan meets HPML guidelines. - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open-The loan's (8.62%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 |  | Resolved-Resolved, This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 292 and the Final Closing disclosure on page 109 reflects escrows. Rate lock date was entered correctly – see page 306. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 414 and copy of the appraisal was given to the borrower – see page 88. The loan meets HPML guidelines. - Due Diligence Vendor-12/30/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856257 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 04:28 | 2025-12-30 03:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved, received initial CD. - Due Diligence Vendor-12/30/2025 <br> Resolved-Initial CD provided. Resolved - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Open-Missing CD date xxxxxx with corresponding change of circumstance if applicable. - Due Diligence Vendor-12/23/2025 <br> Open-TRID: Missing Closing Disclosure TRID: Missing Initial Closing Disclosure<br> - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Resolved-Resolved, received initial CD. - Due Diligence Vendor-12/30/2025 <br> Resolved-Initial CD provided. Resolved - Due Diligence Vendor-12/30/2025 |  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856259 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856261 | xxxxxx | C A | Closed | xxxxxx | 2025-12-24 11:35 | 2025-12-30 04:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. COC dated xxxxxx received. - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Mainly due to loan amount changes. Percentage did not change on broker fee. - Seller-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the Loan Amount increasing from xxxxxx to xxxxxx, Points - Loan Discount Fee increasing from Initial CD($1890) to Final CD($1,923.12) and Broker Fees increasing from Initial CD($14,437.50) to Final CD($14,690.5).<br> - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Mainly due to loan amount changes. Percentage did not change on broker fee. - Seller-12/29/2025 | Resolved-Resolved. COC dated xxxxxx received. - Due Diligence Vendor-12/30/2025 <br> Resolved- - Due Diligence Vendor-12/30/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856261 | xxxxxx | C A | Closed | xxxxxx | 2025-12-24 11:35 | 2025-12-30 04:14 | Resolved | 1 - Information A | Compliance | xxxxxx | Fees: Limited | Open- - Due Diligence Vendor-12/30/2025 <br> Resolved-xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "xxxxxx Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) Resolved. Recording fee includes foreclosure prevention fee iao $80.00 as listed on the settlement statement page 5-6 - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/24/2025 |  | Resolved-xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "xxxxxx Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) Resolved. Recording fee includes foreclosure prevention fee iao $80.00 as listed on the settlement statement page 5-6 - Due Diligence Vendor-12/29/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856262 | xxxxxx | A | Closed | xxxxxx | 2026-01-06 00:17 | 2026-01-06 11:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.495%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 191, and the Final Closing disclosure on Pg#'s 83, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 202. An interior and exterior appraisal was completed for this property – see pg 35-40, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 201, and confirmation the appraisal was delivered to the borrower – see Pg#'s 27. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 |  | Resolved-The loan's (8.495%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 191, and the Final Closing disclosure on Pg#'s 83, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 202. An interior and exterior appraisal was completed for this property – see pg 35-40, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 201, and confirmation the appraisal was delivered to the borrower – see Pg#'s 27. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/06/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856264 | xxxxxx | D A | Closed | xxxxxx | 2026-01-06 04:53 | 2026-01-06 05:11 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 336 and the Final Closing disclosure on page 174 reflects escrows. Rate lock date was entered correctly – see page 377. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 450 and copy of the appraisal was given to the borrower – see page 425. The loan meets HPML guidelines. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 336 and the Final Closing disclosure on page 174 reflects escrows. Rate lock date was entered correctly – see page 377. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 450 and copy of the appraisal was given to the borrower – see page 425. The loan meets HPML guidelines. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open-The loan's (9.388%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 336 and the Final Closing disclosure on page 174 reflects escrows. Rate lock date was entered correctly – see page 377. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 450 and copy of the appraisal was given to the borrower – see page 425. The loan meets HPML guidelines. - Due Diligence Vendor-01/06/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 336 and the Final Closing disclosure on page 174 reflects escrows. Rate lock date was entered correctly – see page 377. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 450 and copy of the appraisal was given to the borrower – see page 425. The loan meets HPML guidelines. - Due Diligence Vendor-01/06/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856264 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 04:58 | 2026-01-06 05:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved. Initial CD received - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure and related COC - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Resolved. Initial CD received - Due Diligence Vendor-01/06/2026 |  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856268 | xxxxxx | C A | Closed | xxxxxx | 2025-12-18 01:59 | 2026-01-14 08:13 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.789%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 276 and the Final Closing disclosure on Pg#'s 122, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 308. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 357, and confirmation the appraisal was delivered to the borrower is in Findings. The loan meets HPML guidelines - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-The loan's (7.789%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 276 and the Final Closing disclosure on Pg#'s 122, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 308. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 357, and confirmation the appraisal was delivered to the borrower is Missing. The loan does not meet HPML guidelines, Provide evidence of appraisal delivery to the borrower.<br> - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.789%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 276 and the Final Closing disclosure on Pg#'s 122, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 308. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 357, and confirmation the appraisal was delivered to the borrower is in Findings. The loan meets HPML guidelines - Due Diligence Vendor-12/23/2025 |  |  | Appr delivery.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856269 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-08 04:18 | 2026-02-10 12:23 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Final CD and COC received and Compliance testing passed. - Due Diligence Vendor-02/10/2026 <br> Resolved- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-The total amount of the 10% category fees ($116.00) has increased by more than 10% over the current baseline value of ($90.00). The total amount of fees in the 10% category cannot exceed ($99.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-Final CD and COC received and Compliance testing passed. - Due Diligence Vendor-02/10/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856269 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-08 04:18 | 2026-01-08 07:13 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien xxxxxx)(Conforming) | Waived-xxxxxx Rate Spread does not have assignee liability, per counsel finding waived. - Due Diligence Vendor-01/08/2026 <br> Open-xxxxxx state threshold is $7.76 but as per Final CD APR is $9.322 which exceeds the threshold requirement. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-The loan's (9.549%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.26%).(xxxxxx. Gen. Stat. 24-1.1F(a1); 15 xxxxxx 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Waived-xxxxxx Rate Spread does not have assignee liability, per counsel finding waived. - Due Diligence Vendor-01/08/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | No | xxxxxx |
| 856269 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-08 04:18 | 2026-01-08 06:01 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved- - Due Diligence Vendor-01/08/2026 <br> Resolved- - Due Diligence Vendor-01/08/2026 <br> Open-The Last Loan Estimate was provided on xxxxxx which is on or after xxxxxx, the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved- - Due Diligence Vendor-01/08/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856269 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-08 04:18 | 2026-01-08 05:56 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 326 and the Final Closing disclosure on Pg#'s 138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 342. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 366, and confirmation the appraisal was delivered to the borrower – see Pg#'s 119. The loan meets HPML guidelines, resolved - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open-The loan's (9.549%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 326 and the Final Closing disclosure on Pg#'s 138, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 342. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 366, and confirmation the appraisal was delivered to the borrower – see Pg#'s 119. The loan meets HPML guidelines, resolved - Due Diligence Vendor-01/08/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856269 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-07 00:01 | 2026-01-08 04:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. Resolved - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD in order to run Compliance. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026 | Resolved-Initial CD provided. Resolved - Due Diligence Vendor-01/08/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856270 | xxxxxx | A | Closed | xxxxxx | 2025-12-14 20:54 | 2025-12-16 10:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.798%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) 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# 222 and the Final Closing disclosure on Pg# 100 reflects escrows. Rate lock date was entered correctly – see Pg 235. An interior and exterior appraisal was completed for this property – see pg35, the appraisal disclosure was provided to the borrower(s)- see Pg#'s_335, 234__ , and copy of the appraisal was given to the borrower – see Pg 90 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/15/2025 |  | Resolved-The loan's (7.798%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) 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# 222 and the Final Closing disclosure on Pg# 100 reflects escrows. Rate lock date was entered correctly – see Pg 235. An interior and exterior appraisal was completed for this property – see pg35, the appraisal disclosure was provided to the borrower(s)- see Pg#'s_335, 234__ , and copy of the appraisal was given to the borrower – see Pg 90 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856271 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856301 | xxxxxx | B A | Closed | xxxxxx | 2025-12-18 02:52 | 2026-02-10 12:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/10/2026 <br> Waived-Loan does not conform to program guidelines Exception page 407-408<br> Exception Reason: OTHER - Borrower is from OFAC sanctioned country xxxxxx; however, does not appear on the OFAC sanctioned report. - Due Diligence Vendor-02/10/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/10/2026 <br> Waived-Loan does not conform to program guidelines Exception page 407-408<br> Exception Reason: OTHER - Borrower is from OFAC sanctioned country xxxxxx; however, does not appear on the OFAC sanctioned report. - Due Diligence Vendor-02/10/2026 | LTV 40% is below the maximum 70% LTV by 30%<br> DTI 16.73% is below the maximum 50% DTI by 33.27%<br> Residual Income $20,064.45 is above the minimum of $1500 + $150 per dependent =$1650<br> Reserves 117.98 months is above the minimum of 3 months<br> Job Stability 7 years S/E is greater than the minimum of 2 years S/E | LTV 40% is below the maximum 70% LTV by 30%<br> DTI 16.73% is below the maximum 50% DTI by 33.27%<br> Residual Income $20,064.45 is above the minimum of $1500 + $150 per dependent =$1650<br> Reserves 117.98 months is above the minimum of 3 months<br> Job Stability 7 years S/E is greater than the minimum of 2 years S/E |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 856346 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 857023 | xxxxxx | B A | Closed | xxxxxx | 2026-01-04 22:28 | 2026-01-05 08:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors:<br> Exception available in page no #417-418 for Qualifying total reserves number of months '4.91' which is less than required months of 6 months. - Due Diligence Vendor-01/05/2026 |  | Waived-Client elects to waive with the following compensating factors:<br> Exception available in page no #417-418 for Qualifying total reserves number of months '4.91' which is less than required months of 6 months. - Due Diligence Vendor-01/05/2026 | 29.66% DTI is 50% below the maximum DTI of 20.34%. <br> 791 Representative credit score exceeds the minimum required credit score of 740 by 51 Points. <br> Residual Income exceeds the minimum of 2500 by 3,157.06 | 29.66% DTI is 50% below the maximum DTI of 20.34%. <br> 791 Representative credit score exceeds the minimum required credit score of 740 by 51 Points. <br> Residual Income exceeds the minimum of 2500 by 3,157.06 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857025 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-05 22:28 | 2026-01-07 05:39 | Resolved | 1 - Information C A | Compliance | xxxxxx | Fees: Limited | Resolved-Resolved. PCCD received. - Due Diligence Vendor-01/07/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. The xxxxxx showed that the foreclosure prevention fee was collected. The fee was grouped with our recording fees for a total of $790.00. We are sending a revised PCCD to the borrower showing the fee being broken out in Section C. correctly. - Seller-01/06/2026 <br> Open-xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "xxxxxx Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "xxxxxx Foreclosure Prevention Fee". Provide supporting documentation/ Settlement Statement that reflects the $80 Foreclosure Prevention Fee. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. The xxxxxx showed that the foreclosure prevention fee was collected. The fee was grouped with our recording fees for a total of $790.00. We are sending a revised PCCD to the borrower showing the fee being broken out in Section C. correctly. - Seller-01/06/2026 | Resolved-Resolved. PCCD received. - Due Diligence Vendor-01/07/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/07/2026 |  |  | xxxxxx - xxxxxx.pdf<br> Final CD - xxxxxx.pdf<br> FedEx - xxxxxx.pdf<br> LOX - xxxxxx.pdf<br> PCCD - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857025 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-05 22:44 | 2026-01-06 07:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Exception page 219<br> Consumer Payment History- Loan File 180 late xxxxxx, GL Requirement 0x60x12 months<br> Borrower was 180 day lates on xxxxxx loan that he thought was on auto pay. Account brought current in xxxxxx. Borrower has more than sufficient funds to cover the remaining balance.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/06/2026 |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Exception page 219<br> Consumer Payment History- Loan File 180 late xxxxxx, GL Requirement 0x60x12 months<br> Borrower was 180 day lates on xxxxxx loan that he thought was on auto pay. Account brought current in xxxxxx. Borrower has more than sufficient funds to cover the remaining balance.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/06/2026 | Calculated DTI is 15.56 where as 50% is maximum per guidelines<br> Residual Income is $40,232.96 required is only $2500 as per guidelines<br> 3 Tradelines > 24 months available, No Minimum tradelines required as per guidelines <br> Months Reserves - Available is 24 months required is 6 months as per guidelines<br> Housing Payment History is 0\*30\*12, as per guidelines - 1\*30\*12 | Calculated DTI is 15.56 where as 50% is maximum per guidelines<br> Residual Income is $40,232.96 required is only $2500 as per guidelines<br> 3 Tradelines > 24 months available, No Minimum tradelines required as per guidelines <br> Months Reserves - Available is 24 months required is 6 months as per guidelines<br> Housing Payment History is 0\*30\*12, as per guidelines - 1\*30\*12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 857027 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857029 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857030 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857032 | xxxxxx | A | Closed | xxxxxx | 2026-01-08 01:08 | 2026-01-08 11:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.749%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 449 and the Final Closing disclosure on Pg#'s 259 reflects escrows. Rate lock date was entered correctly – see Pg#'s 472 An interior and exterior appraisal was completed for this property – see pg 25- 59 , the appraisal disclosure was provided to the borrower(s)- see Pg#' 517 , and copy of the appraisal was given to the borrower – see Pg#'s 336 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-The loan's (7.749%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 449 and the Final Closing disclosure on Pg#'s 259 reflects escrows. Rate lock date was entered correctly – see Pg#'s 472 An interior and exterior appraisal was completed for this property – see pg 25- 59 , the appraisal disclosure was provided to the borrower(s)- see Pg#' 517 , and copy of the appraisal was given to the borrower – see Pg#'s 336 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/08/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857034 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857035 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857036 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857038 | xxxxxx | D A | Closed | xxxxxx | 2026-01-08 08:48 | 2026-01-09 05:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Resolved. Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-01/09/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857043 | xxxxxx | C A | Closed | xxxxxx | 2026-01-05 05:14 | 2026-01-07 02:57 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Resolved, received a new 1008 showing the 20.83 HOA amount. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Corrected docs attached. - Seller-01/06/2026 <br> Open-HOA Fee difference exsits between validated HOA and documents As per final CD , lender worksheet there is PUD fee of $42 monthly. Per appraisal HOA dues are 250.00 annually for a fee of 20.83 monthly. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Corrected docs attached. - Seller-01/06/2026<br>| Resolved-Resolved, received a new 1008 showing the 20.83 HOA amount. - Due Diligence Vendor-01/07/2026 |  |  | xxxxxx 1008.pdf<br> xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857045 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-07 23:07 | 2026-01-15 03:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors:<br> Exception approval can be found in Findings. - Due Diligence Vendor-01/15/2026 <br> Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Guidelines do not allow entity to sign note Note is signed by the managing member of a business entity.<br> - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Waived-Client elects to waive with the following compensating factors:<br> Exception approval can be found in Findings. - Due Diligence Vendor-01/15/2026 <br> Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-01/15/2026 | Qual Score >20 points above min 718, Min 680<br> Months Reserves > 3 above min 134 Min 6<br> Borrower signed a personal guaranty. | Qual Score >20 points above min 718, Min 680<br> Months Reserves > 3 above min 134 Min 6<br> Borrower signed a personal guaranty. | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857047 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857048 | xxxxxx | A | Closed | xxxxxx | 2026-01-11 22:22 | 2026-01-12 09:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.887%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#145 and the Final Closing disclosure on Pg# 64 reflects escrows. Rate lock date was entered correctly see Pg.'s 173 An interior and exterior appraisal was completed for this property – see pg. 26 the appraisal disclosure was provided to the borrower(s)- see Pg#'230 and copy of the appraisal was given to the borrower see Pg#43 The loan meets HPML guidelines." <br> - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 |  | Resolved-The loan's (7.887%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#145 and the Final Closing disclosure on Pg# 64 reflects escrows. Rate lock date was entered correctly see Pg.'s 173 An interior and exterior appraisal was completed for this property – see pg. 26 the appraisal disclosure was provided to the borrower(s)- see Pg#'230 and copy of the appraisal was given to the borrower see Pg#43 The loan meets HPML guidelines." <br> - Due Diligence Vendor-01/12/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857052 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857678 | xxxxxx | C A | Closed | xxxxxx | 2026-01-14 04:06 | 2026-01-15 03:19 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Resolved, received copy of cashiers check. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Loan does not conform to program guidelines Missing signed EMD letter with a copy of the check from title and proof of funds coming from borrowers account for the $1,000.00 EMD. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Resolved, received copy of cashiers check. - Due Diligence Vendor-01/15/2026 |  |  | EMD $1,000 Title Company Receipt.pdf<br>EMD Items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857678 | xxxxxx | C A | Closed | xxxxxx | 2026-01-14 01:21 | 2026-01-15 03:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-Resolved, The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/15/2026 <br> Resolved-The loan's (7.97%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 268____ and the Final Closing disclosure on Pg#'s 152 ____ reflects escrows. Rate lock date was entered correctly – see Pg#'s303 _____ An interior and exterior appraisal was completed for this property – see pg 34-41 ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s299___ , and copy of the appraisal was given to the borrower – see Pg#'s355 _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 |  | Resolved-Resolved, The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/15/2026 <br> Resolved-The loan's (7.97%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 268____ and the Final Closing disclosure on Pg#'s 152 ____ reflects escrows. Rate lock date was entered correctly – see Pg#'s303 _____ An interior and exterior appraisal was completed for this property – see pg 34-41 ____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s299___ , and copy of the appraisal was given to the borrower – see Pg#'s355 _____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/14/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857684 | xxxxxx | A | Closed | xxxxxx | 2026-01-15 05:59 | 2026-01-15 08:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/15/2026 <br> Resolved-The loan's (7.819%) APR equals or exceeds the Federal HPML threshold of (7.75%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.25%).(12 CFR 1026.35(a)(1)(i)) 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# 221 and the Final Closing disclosure on Pg#115 reflects escrows. Rate lock date was entered correctly see Pg# 240 An interior and exterior appraisal was completed for this property – see Page# 17 the appraisal disclosure was provided to the borrower(s)- see Pg# 279, and copy of the appraisal was given to the borrower see Pg# 152 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/15/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/15/2026 <br> Resolved-The loan's (7.819%) APR equals or exceeds the Federal HPML threshold of (7.75%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.25%).(12 CFR 1026.35(a)(1)(i)) 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# 221 and the Final Closing disclosure on Pg#115 reflects escrows. Rate lock date was entered correctly see Pg# 240 An interior and exterior appraisal was completed for this property – see Page# 17 the appraisal disclosure was provided to the borrower(s)- see Pg# 279, and copy of the appraisal was given to the borrower see Pg# 152 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-01/15/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857685 | xxxxxx | A | Closed | xxxxxx | 2026-01-07 01:08 | 2026-01-09 06:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.959%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 254 and the Final Closing disclosure on Pg#'s 142. Rate lock date was entered correctly – see Pg#'s 267. An interior and exterior appraisal was completed for this property – see pg# 24, 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 374, and confirmation the appraisal was delivered to the borrower – see Pg#'s 193. The loan meets HPML guidelines.<br> - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/07/2026 |  | Resolved-The loan's (9.959%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 254 and the Final Closing disclosure on Pg#'s 142. Rate lock date was entered correctly – see Pg#'s 267. An interior and exterior appraisal was completed for this property – see pg# 24, 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 374, and confirmation the appraisal was delivered to the borrower – see Pg#'s 193. The loan meets HPML guidelines.<br> - Due Diligence Vendor-01/07/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 857686 | xxxxxx | A | Closed | xxxxxx | 2025-12-20 20:03 | 2025-12-22 13:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.212%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 289, and the Final Closing disclosure on Pg#'s 156, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 310. An interior and exterior appraisal was completed for this property – see pg 35-42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 365, and confirmation the appraisal was delivered to the borrower – see Pg#'s 148. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/21/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/21/2025 <br> Open- - Due Diligence Vendor-12/21/2025 |  | Resolved-The loan's (8.212%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 289, and the Final Closing disclosure on Pg#'s 156, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 310. An interior and exterior appraisal was completed for this property – see pg 35-42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 365, and confirmation the appraisal was delivered to the borrower – see Pg#'s 148. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/21/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858322 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-29 05:17 | 2026-02-09 12:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Lender provided Exception approval prior to close. Condition resolved. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% guidelines state max LTV for this loan amount is 75% - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/09/2026 <br> Waived-Lender provided Exception approval prior to close. Condition resolved. - Due Diligence Vendor-01/05/2026 | 806 FICO. 720 Min.<br> 5.4% DTI. Max DTI 50%.<br> Over 56 months PITIA Reserves. 12 months PITI reserves min. | 806 FICO. 720 Min.<br> 5.4% DTI. Max DTI 50%.<br> Over 56 months PITIA Reserves. 12 months PITI reserves min. | EXCEPTION APPROVAL (17).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858322 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-02 08:16 | 2026-01-05 08:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/05/2026 |  |  | LOCK CONFIRMATION (25).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858322 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-02 07:46 | 2026-01-05 08:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete. Final Policy provided indicating subject loan recorded in 1st lien position. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/03/2026 <br> Open-Title Document is Incomplete preliminary title commitment provided with loan documents - per Seller CD, xxxxxx and xxxxxx were being paid off with the transaction however there are other liens that are showing on the title report - need Final Title Policy to confirm only 1 mortgage/lien and it's associated with the bwr. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/03/2026<br>| Resolved-Title Document is Provided And Complete. Final Policy provided indicating subject loan recorded in 1st lien position. - Due Diligence Vendor-01/05/2026 |  |  | xxxxxx Loan Policy xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858322 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-29 03:42 | 2026-01-05 01:14 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-VOR provided with 12 months payment proofs. Resolved - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Open-Housing History Does Not Meet Guideline Requirements VOR is missing in file - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved-VOR provided with 12 months payment proofs. Resolved - Due Diligence Vendor-01/05/2026 |  |  | VOR_VOM (4).pdf<br>VOR_VOM (5).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |

---

## Exhibit 99.25

**EXHIBIT 99.25**

**SELENE RATING AGENCY GRADES REPORT**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 846186 | xxxxxx |  | xxxxxx D A B |
| 849646 | xxxxxx |  | xxxxxx C A |
| 849696 | xxxxxx |  | xxxxxx C D A B |
| 852028 | xxxxxx |  | xxxxxx C A |
| 852833 | xxxxxx |  | xxxxxx C A D |
| 852863 | xxxxxx |  | xxxxxx A |
| 853430 | xxxxxx |  | xxxxxx B C A |
| 853583 | xxxxxx |  | xxxxxx D A |
| 853712 | xxxxxx |  | xxxxxx C A |
| 853939 | xxxxxx |  | xxxxxx C A D |
| 854028 | xxxxxx |  | xxxxxx A |
| 854031 | xxxxxx |  | xxxxxx C A B |
| 854033 | xxxxxx |  | xxxxxx C A B |
| 854034 | xxxxxx |  | xxxxxx A |
| 854035 | xxxxxx |  | xxxxxx C A |
| 854036 | xxxxxx |  | xxxxxx D A |
| 854038 | xxxxxx |  | xxxxxx A |
| 854039 | xxxxxx |  | xxxxxx C D A |
| 854041 | xxxxxx |  | xxxxxx D A |
| 854044 | xxxxxx |  | xxxxxx D A |
| 854047 | xxxxxx |  | xxxxxx D A |
| 854049 | xxxxxx |  | xxxxxx A |
| 854052 | xxxxxx |  | xxxxxx A D |
| 854054 | xxxxxx |  | xxxxxx D A |
| 854057 | xxxxxx |  | xxxxxx D A B |
| 854058 | xxxxxx |  | xxxxxx B A |
| 854059 | xxxxxx |  | xxxxxx C A |
| 854060 | xxxxxx |  | xxxxxx A |
| 854061 | xxxxxx |  | xxxxxx A D |
| 854063 | xxxxxx |  | xxxxxx A |
| 854064 | xxxxxx |  | xxxxxx A D |
| 854066 | xxxxxx |  | xxxxxx A |
| 854070 | xxxxxx |  | xxxxxx B A |
| 854071 | xxxxxx |  | xxxxxx A |
| 854072 | xxxxxx |  | xxxxxx A |
| 854073 | xxxxxx |  | xxxxxx C A |
| 854074 | xxxxxx |  | xxxxxx A |
| 854076 | xxxxxx |  | xxxxxx B C A |
| 854077 | xxxxxx |  | xxxxxx B A |
| 854078 | xxxxxx |  | xxxxxx A C |
| 854079 | xxxxxx |  | xxxxxx D A |
| 854080 | xxxxxx |  | xxxxxx D A |
| 854121 | xxxxxx |  | xxxxxx C A |
| 854222 | xxxxxx |  | xxxxxx A |
| 854302 | xxxxxx |  | xxxxxx C A |
| 854869 | xxxxxx |  | xxxxxx A D |
| 854876 | xxxxxx |  | xxxxxx A |
| 854970 | xxxxxx |  | xxxxxx A D |
| 855073 | xxxxxx |  | xxxxxx A D |
| 855096 | xxxxxx |  | xxxxxx C A B |
| 855114 | xxxxxx |  | xxxxxx A |
| 855444 | xxxxxx |  | xxxxxx D A |
| 855470 | xxxxxx |  | xxxxxx A |
| 856243 | xxxxxx |  | xxxxxx A |
| 856249 | xxxxxx |  | xxxxxx A |
| 856250 | xxxxxx |  | xxxxxx A |
| 856253 | xxxxxx |  | xxxxxx B A |
| 856254 | xxxxxx |  | xxxxxx A C |
| 856257 | xxxxxx |  | xxxxxx A D |
| 856259 | xxxxxx |  | xxxxxx A |
| 856261 | xxxxxx |  | xxxxxx A C |
| 856262 | xxxxxx |  | xxxxxx A |
| 856264 | xxxxxx |  | xxxxxx A D |
| 856268 | xxxxxx |  | xxxxxx A C |
| 856269 | xxxxxx |  | xxxxxx A D B |
| 856270 | xxxxxx |  | xxxxxx A |
| 856271 | xxxxxx |  | xxxxxx A |
| 856301 | xxxxxx |  | xxxxxx B A |
| 856346 | xxxxxx |  | xxxxxx A |
| 857023 | xxxxxx |  | xxxxxx B A |
| 857025 | xxxxxx |  | xxxxxx B C A |
| 857027 | xxxxxx |  | xxxxxx A |
| 857029 | xxxxxx |  | xxxxxx A |
| 857030 | xxxxxx |  | xxxxxx A |
| 857032 | xxxxxx |  | xxxxxx A |
| 857034 | xxxxxx |  | xxxxxx A |
| 857035 | xxxxxx |  | xxxxxx A |
| 857036 | xxxxxx |  | xxxxxx A |
| 857038 | xxxxxx |  | xxxxxx A D |
| 857043 | xxxxxx |  | xxxxxx C A |
| 857045 | xxxxxx |  | xxxxxx C A B |
| 857047 | xxxxxx |  | xxxxxx A |
| 857048 | xxxxxx |  | xxxxxx A |
| 857052 | xxxxxx |  | xxxxxx A |
| 857678 | xxxxxx |  | xxxxxx C A |
| 857684 | xxxxxx |  | xxxxxx A |
| 857685 | xxxxxx |  | xxxxxx A |
| 857686 | xxxxxx |  | xxxxxx A |
| 858322 | xxxxxx |  | xxxxxx D A B |

---

## Exhibit 99.26

**EXHIBIT 99.26**

**SELENE DATA COMPARE REPORT**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 846186 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Condominium | Detached Condo | Updated as per Appraisal. Property type is Condominium |
| 849646 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | As per 1004 property type was showing as Attached hence updated as Townhouse. |
| 849646 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3238.4 | 2648.41 | True data has considered PITIA however Tape data has not considered HOA amount due to which there is difference. |
| 849646 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.068 | 1 | Originated DSCR is showing as 1.0 however calculated is showing as "0.865,considered 1007 for rent calculation. i.e 2800/3238.41=0.864 |
| 852833 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 852833 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 8420.37 | 5273.44 | Tape Data not included Monthly Property Tax & Homeowner's insurance amounts, However file is No Escrows. |
| 852833 | xxxxxx |  | xxxxxx | B1 Verified Citizenship Designation | fraudReportPage | xxxxxx | xxxxxx | B1 Verified Citizenship Designation updated Correctly. |
| 852833 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.94 | 36.71 | Audited DTI 44.16% and Lender DTI 46.67%, Variance is 2.51% which is due to that Lender consider Monthly debt as $8,696.87 whereas per our Audit it is $8,229.4 (Credit liabilities $145 + PITIA $6,565.40+REO Rent loss $1,519) and Tape data DTI showing as 36.71%. |
| 853430 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.6 | 28.46 | All other monthly Liabilities has been updated as per latest credit report and Qualifying DTI is 27.6%, however variance is 0.86% only. |
| 853583 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per DOT, appraisal. |
| 853583 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note. |
| 853583 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 9582.65 | 8987.65 | True data is correct, tape data was not included HOA amount whereas true data shows PITIA. |
| 853712 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.37 | 28.11 | Audited DTI is 42.47 % and lender DTI is 28.11%. The difference is 14.36%. This is due to 1) lender considered all other monthly debt as $1891.6 whereas our calculations it is only $3200<br> 2) Lender considered tax amount $xxxxxx & whereas our calculation tax amount is $xxxxxx) Lender considered the HOA amount $100 whereas our calculation amount is $8.33 |
| 853939 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date considered from note document. |
| 853939 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7795.09 | 7793.00 | Qualifying PITI is accurate per tax & insurance documents. |
| 853939 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.78 | 38.56 | DTI variance 0.22% within tolerance of 1% due to rental income discrepancy between calculated rental income $1,285 & 1008 $1,414.61 |
| 854028 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type is Two to Four Unit. |
| 854031 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.79 | 23.43 | DTI variance is less than 1% (0.64%). All other monthly liabilities are updated as per latest credit report iao $1,119; however 1008 reflects $1,223. |
| 854033 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.07 | 6.16 | DTI variance is due to the decrease in all other monthly liabilities acct ending 0051. Monthly payment decreased from $189 to $37. |
| 854054 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Updated property type as PUD as per Appraisal |
| 854063 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property is 2-4 Unit, updated per Appraisal |
| 854121 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2287.85 | 2204.75 | True data is correct, verified from 1008 doc |
| 854302 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal page 39 and PUD rider is on page 304. |
| 854302 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4698.26 | 4530.27 | Qualifying Total Housing expenses PITIA is matching with 1008 Tape data not included HOA amount. |
| 855096 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property Type Is PUD |
| 855096 | xxxxxx |  | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Maturity Date is xxxxxx |
| 855114 | xxxxxx |  | xxxxxx | Prepayment Penalty Calculation | notePage | 5% | 1 Year Prepay | prepayment penalty in file as 5% for 1 year and updated the same. |
| 855114 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 3.44 | 4.16 | All liabilities updated as per credit, but all other monthly payments are not matching with 1008, causing variance in DTI. |
| 855444 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.14 | 36.10 | All other monthly liabilities are updated as per latest credit report and the qualifying DTI is 36.14, however variance is 0.04 only. |
| 855470 | xxxxxx |  | xxxxxx | All Borrower Total Income | the1003Page | 61716 | 0.00 | All Borrower Total Income Considered from Provided Bank statements. |
| 855470 | xxxxxx |  | xxxxxx | Mortgage Origination Channel | the1003Page | Retail | Correspondent | Mortgage Origination Channel Retail |
| 855470 | xxxxxx |  | xxxxxx | Number of Borrowers | businessPurposePage | 2 | 1 | Number of Borrowers 2 confirmed. |
| 855470 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full | Verified Doc Type 12 Months Business Bank statements. |
| 855470 | xxxxxx |  | xxxxxx | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 1 | Number of Mortgaged Properties 4 confirmed. |
| 855470 | xxxxxx |  | xxxxxx | Liquid Funds Post-Close | assetPage | 31011.12 | 31293.73 | Liquid Funds Post-Close considered as provided Bank statements. |
| 855470 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.52 | 25.55 | Qualifying Total Debt Income Ratio Rounding the Value. |
| 855470 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | 15750.97 | 25.55 | Reviewed Total Monthly Liabilities Considered From Credit report. |
| 856262 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc | Verified 2 Yr Full Doc. |
| 856268 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 12.91 | 13.48 | HTI variance is due to Other amount of $142 reflected on 1008. Solar Lease iao $142 was captured in liabilities. |
| 856268 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.6 | 14.17 | DTI variance is due to Other amount of $142 reflected on 1008. Solar Lease iao $142 was captured in liabilities. |
| 856269 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | P&L Only 12 months | Verified Doc Type confirmed from drop down available in income tab |
| 856271 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc | Verified 2 Yr Full Doc. |
| 857032 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.36 | 12.66 | DTI variance is due to the closed accounts on the gap credit report reflect $0 balance and $0 payment amount due. |
| 857043 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 7.99 | 8.05 | Difference is due to a 254.00 in HOA dues. Appraisal states 250.00 and 1008 states 504.00 annually. Received a new 1008 showing the lower HOA dues. |
| 857043 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 7.11 | 7.17 | Difference is due to a 254.00 in HOA dues. Appraisal states 250.00 and 1008 states 504.00 annually. |
| 857045 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 0.32 | 0.00 | Difference is due to adding taxes and insurance amounts for primary housing expenses. |
| 857045 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 5.04 | 4.71 | Difference is due to adding taxes and insurance amounts for primary housing expenses. |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**SELENE ATR QM DETAIL**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 846186 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 849646 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | Yes |  | Yes | Present |
| 849696 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 852028 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5011.47 | Yes | Employed |  | No |  | No |  |
| 852833 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | Yes | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14547.24 | Yes | Employed |  | No |  | No |  |
| 852863 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2746.92 | Yes | Employed |  | No |  | No |  |
| 853430 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7239.98 | Yes | Employed |  | No |  | No |  |
| 853583 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 292786.66 | Yes | Employed |  | No |  | No |  |
| 853712 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | Yes | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11911.07 | Yes | Employed |  | No |  | No |  |
| 853939 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14014.5 | Yes | Employed | Not Employed | No | No | No |  |
| 854028 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5888.04 | Yes | Employed |  | No |  | No |  |
| 854031 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35842.92 | N/A | Employed | Employed | No | No | Yes | Present |
| 854033 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 151549.5 | N/A | Employed |  | No |  | Yes | Present |
| 854034 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3421.72 | Yes | Not Employed | Employed | No | No | No |  |
| 854035 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6287.32 | Yes | Employed |  | No |  | No |  |
| 854036 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23873.13 | Yes | Employed |  | No |  | No |  |
| 854038 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5311.08 | N/A | Employed |  | No |  | Yes | Present |
| 854039 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2866.84 | Yes | Employed |  | No |  | No |  |
| 854041 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9405.85 | Yes | Employed |  | No |  | No |  |
| 854044 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7389.43 | Yes | Employed |  | No |  | No |  |
| 854047 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16732.17 | N/A | Employed | Employed | No | No | Yes | Present |
| 854049 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8508.2 | Yes | Employed |  | No |  | No |  |
| 854052 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19738.34 | Yes | Employed |  | No |  | No |  |
| 854054 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7989.49 | Yes | Employed |  | No |  | No |  |
| 854057 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7719.84 | Yes | Employed |  | No |  | No |  |
| 854058 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7621.35 | Yes | Employed |  | No |  | No |  |
| 854059 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13596.45 | Yes | Employed |  | No |  | No |  |
| 854060 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4075.31 | Yes | Employed |  | No |  | No |  |
| 854061 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10901.48 | Yes | Employed |  | No |  | No |  |
| 854063 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22780.23 | Yes | Employed |  | No |  | No |  |
| 854064 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12347.19 | Yes | Employed |  | No |  | No |  |
| 854066 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 81757.11 | Yes | Employed |  | No |  | No |  |
| 854070 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2330.1 | No | Employed |  | No |  | No |  |
| 854071 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4767.11 | Yes | Employed |  | No |  | No |  |
| 854072 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8883.5 | Yes | Employed | Employed | No | No | No |  |
| 854073 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3097.04 | Yes | Employed | Employed | No | No | No |  |
| 854074 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10054.54 | Yes | Employed |  | No |  | No |  |
| 854076 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7277.53 | Yes | Employed |  | No |  | No |  |
| 854077 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4092.01 | Yes | Employed |  | No |  | No |  |
| 854078 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11272.29 | Yes | Employed |  | No |  | No |  |
| 854079 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12482.63 | Yes | Employed | Employed | No | No | No |  |
| 854080 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13183.89 | Yes | Employed |  | No |  | No |  |
| 854121 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | Yes |  | Yes | Present |
| 854222 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45231.99 | Yes | Employed |  | No |  | No |  |
| 854302 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8162.74 | Yes | Employed |  | No |  | No |  |
| 854869 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | Yes | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3526.13 | Yes | Employed |  | No |  | No |  |
| 854876 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8672.34 | Yes | Employed |  | No |  | No |  |
| 854970 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5110.4 | Yes | Employed |  | No |  | No |  |
| 855073 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7881.13 | Yes | Employed | Employed | No | No | No |  |
| 855096 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 855114 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 735465.86 | N/A | Employed |  | No |  | Yes | Present |
| 855444 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23364.99 | Yes | Employed |  | No |  | No |  |
| 855470 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45965.03 | Yes | Employed | Employed | No | No | No |  |
| 856243 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15288.87 | Yes | Employed |  | No |  | No |  |
| 856249 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12651.23 | Yes | Employed |  | No |  | No |  |
| 856250 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7283.7 | Yes | Employed |  | No |  | No |  |
| 856253 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9826.06 | Yes | Employed |  | No |  | No |  |
| 856254 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25520.75 | Yes | Employed |  | No |  | No |  |
| 856257 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2461.81 | Yes | Employed | Employed | No | No | No |  |
| 856259 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3504.27 | Yes | Employed |  | No |  | No |  |
| 856261 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6607.14 | Yes | Employed | Employed | No | No | No |  |
| 856262 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2748.88 | Yes | Employed |  | No |  | No |  |
| 856264 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9260.32 | Yes | Employed |  | No |  | No |  |
| 856268 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21566.05 | Yes | Employed |  | No |  | No |  |
| 856269 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 73297.18 | Yes | Employed |  | No |  | No |  |
| 856270 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12082.3 | Yes | Employed |  | No |  | No |  |
| 856271 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5419.06 | Yes | Employed |  | No |  | No |  |
| 856301 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20064.74 | Yes | Employed |  | No |  | No |  |
| 856346 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21419.76 | Yes | Employed | Employed | No | No | No |  |
| 857023 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5657.06 | Yes | Employed |  | No |  | No |  |
| 857025 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40232.96 | Yes | Not Employed |  | No |  | No |  |
| 857027 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5672.71 | Yes | Employed |  | No |  | No |  |
| 857029 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15265.53 | Yes | Employed |  | No |  | No |  |
| 857030 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17456.76 | Yes | Employed |  | No |  | No |  |
| 857032 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21964.04 | Yes | Employed |  | No |  | No |  |
| 857034 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10951.2 | Yes | Employed |  | No |  | No |  |
| 857035 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18286.42 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 857036 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10301.88 | Yes | Employed |  | No |  | No |  |
| 857038 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49917.18 | Yes | Employed | Employed | No | No | No |  |
| 857043 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33948.87 | Yes | Employed |  | No |  | No |  |
| 857045 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 284711.37 | N/A | Employed |  | No |  | Yes | Present |
| 857047 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6813.24 | N/A | Employed | Employed | No | No | Yes | Present |
| 857048 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5455.02 | Yes | Employed |  | No |  | No |  |
| 857052 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3687.88 | Yes | Employed |  | No |  | No |  |
| 857678 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2548.06 | Yes | Employed |  | No |  | No |  |
| 857684 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4854.87 | Yes | Employed |  | No |  | No |  |
| 857685 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4160.17 | Yes | Employed |  | No |  | No |  |
| 857686 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12601.35 | Yes | Employed |  | No |  | No |  |
| 858322 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 455719.55 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.28

**EXHIBIT 99.28**

**SELENE VALUATIONS REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 846186 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-02-2025 | 1073 Individual Condo Report | xxxxx | xxxxx | xxxxx | xxxxxx | 52.63 | 52.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-04-2025 |
| 849646 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 09-22-2025 |
| 849696 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0210 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0 | -.0210 | xxxxxx |  | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852028 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-13-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 852833 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-15-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 10-15-2025 Eligible |  |  |
| 852863 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-20-2025 |
| 853430 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-06-2025 |
| 853583 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 79.93 | 79.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-19-2025 |
| 853712 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 853939 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 45.98 | 45.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-05-2025 |
| 854028 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-14-2025 | 1025 Small Residential Income Report | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854031 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 854033 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-10-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-17-2025 |
| 854034 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-13-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 73.08 | 73.08 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-18-2025 |
| 854035 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-11-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 |
| 854036 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 69.83 | 69.83 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-09-2025 |
| 854038 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 64.78 | 64.78 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-29-2025 |
| 854039 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 83.79 | 83.79 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 854041 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 854044 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |
| 854047 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 09-26-2025 |
| 854049 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-18-2025 |
| 854052 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-06-2025 |
| 854054 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 854057 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 854058 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-29-2025 |
| 854059 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 854060 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |
| 854061 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 |
| 854063 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-31-2025 | 1025 Small Residential Income Report | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854064 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 854066 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-03-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 69.13 | 69.13 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 854070 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 51.72 | 51.72 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-07-2025 |
| 854071 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-17-2025 |
| 854072 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 53.27 | 53.27 | xxxxxx | xxxxxx | .0001 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | .0001 | xxxxxx | Low Risk | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854073 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1073 Individual Condo Report | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-04-2025 |
| 854074 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-03-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854076 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-19-2025 |
| 854077 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 854078 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-29-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 55.56 | 55.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-31-2025 |
| 854079 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-24-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-28-2025 |
| 854080 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 57.45 | 57.45 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854121 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-07-2025 |
| 854222 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 854302 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 854869 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-03-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 |
| 854876 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 59.09 | 59.09 | xxxxxx |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0182 | 11-29-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854970 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855073 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-29-2025 |
| 855096 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | 10-30-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855114 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 12-12-2025 |
| 855444 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-04-2025 |
| 855470 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-14-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 78.76 | 78.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856243 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-21-2025 |
| 856249 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | -.0237 | 12-11-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856250 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 66.72 | 66.72 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 856253 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 45.45 | 45.45 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 856254 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856257 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-01-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 84.13 | 84.13 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856259 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1187 | 11-24-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856261 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 60.36 | 60.36 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-08-2025 |
| 856262 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-01-2025 |
| 856264 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-01-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-02-2025 |
| 856268 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 |
| 856269 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856270 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 |
| 856271 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856301 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-24-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 40.0 | 40.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-24-2025 |
| 856346 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 63.15 | 63.15 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-12-2025 |
| 857023 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857025 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 857027 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-06-2025 |
| 857029 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 857030 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-08-2025 |
| 857032 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857034 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857035 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 |
| 857036 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 857038 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-10-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | 0.0 | .0000 | 12-20-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857043 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1025 Small Residential Income Report | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LowRisk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857045 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-19-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857047 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-07-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 857048 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 |
| 857052 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-08-2025 |
| 857678 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-12-2025 |
| 857684 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-12-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0038 | 01-06-2026 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-14-2025 |
| 857685 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 857686 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-06-2025 |
| 858322 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxx | xxxxx | xxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0129 | 10-24-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.29

**EXHIBIT 99.29**

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

![](tm267306d1_ex99-29img01.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

Verus 2026-3

Dated: February 27, 2026

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

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services, LLC ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by VMC Asset Pooler, LLC ("Client"). The Review was conducted via imaged files provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 17 loans, consisting of 3 Residential Loans and 14 Business Purpose loans, totaling an aggregate original principal balance of approximately $5,299,343.00 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 DBRS, Inc. ("DBRS") and Fitch Ratings, Inc, the nationally recognized statistical rating organizations ("NRSROs") identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data fields on the bid tape provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

Additional information about the data integrity review is included below.

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

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

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

**Credit Report:** Evolve's review included confirming that a credit report that met guideline requirements was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, Evolve: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ("DTI") ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

**Debt Service Coverage ratio (DSCR):** Evolve calculated and determined DSCR as required by guidelines.

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

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

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**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;17.65% | &nbsp;&nbsp;3 | &nbsp;&nbsp;17.65% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;14 | &nbsp;&nbsp;82.35% | &nbsp;&nbsp;14 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;76.47% | &nbsp;&nbsp;13 | &nbsp;&nbsp;76.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;23.53% | &nbsp;&nbsp;4 | &nbsp;&nbsp;23.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;76.47% | &nbsp;&nbsp;13 | &nbsp;&nbsp;76.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;23.53% | &nbsp;&nbsp;4 | &nbsp;&nbsp;23.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;17 | &nbsp;&nbsp;47.06% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;17 | &nbsp;&nbsp;41.18% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;5 | &nbsp;&nbsp;17 | &nbsp;&nbsp;29.41% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;17 | &nbsp;&nbsp;35.29% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;5 | &nbsp;&nbsp;17 | &nbsp;&nbsp;29.41% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;11.76% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;11.76% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;9 | &nbsp;&nbsp;17 | &nbsp;&nbsp;52.94% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;11.76% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;6 | &nbsp;&nbsp;17 | &nbsp;&nbsp;35.29% |

---

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

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.

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 10 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

**(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.

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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));

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 12 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 13 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

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.

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 14 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSROs grade.

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 15 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

---

![](tm267306d1_ex99-29img002.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

---

**(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.

---

| | | |
|:---|:---|:---|
| ![](tm267306d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

---

## Exhibit 99.30

**EXHIBIT 99.30**

**EVOLVE EXCEPTION DETAIL**

![](tm267306d1_ex99-30img001.jpg)

**Exception Detail**

**Run Date - 02/17/2026 9:39:31 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| xxxxxx | 855478 | xxxxxx | 8270854 | xxxxxx | 01/14/2026 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum credit score for a DSCR xxxxxx-unit purchase is 660. Subject credit score 659. |  | Client waived with compensating factors: 1.45 DSCR ratio over the 1.0 minimum required, 0\*30\*99 mortgage payment history. 20.2 months reserve when 6 months required. |  |  |  | 01/14/2026 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 855564 | xxxxxx | 7483882 | xxxxxx | 12/10/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide documentation to verify a satisfactory credit history for foreign national as required per guidelines Provide Mortgage history 0x30x24 (unless LTV =<50%) and Credit history 3 open tradelines. 2-year history no lates. | Received credit history for 3 years + |  |  | 12/10/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 855568 | xxxxxx | 8270573 | xxxxxx | 12/10/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rural properties are ineligible on DSCR program. Exception approval in file allowing subject property to be rural. |  | Compensating Factors: DSCR of 2.2 is greater than required DSCR of 1.0. LTV 67% is lower than max LYV of 80%. Mid FICO of 752 is greater than minimum FICO of 660. Reserves of $55683 is greater than required reserves of $6462. |  |  |  | 12/10/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 856224 | xxxxxx | 7483892 | xxxxxx | 12/12/2025 | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or xxxxxx LT missing |  | The final loan approval was missing the approved date. | Updated approval received. |  |  | 12/15/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 856224 | xxxxxx | 7483893 | xxxxxx | 12/12/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | Missing Verbal Verification of Employment dated within 10 days of the Note. | VVOE received. |  |  | 12/15/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 856486 | xxxxxx | 7409428 | xxxxxx | 12/04/2025 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Guidelines reflect foreign funds for closing costs and down payment must be transferred to a traditional bank account in xxxxxx at least 10 days prior to closing or proof sent directly to the settlement agent or escrow account. No evidence was provided. | Proof of wire sent to escrow provided |  | Client 12/08/2025 08:05 AM; Foreign funds for closing costs and down payment must be transferred to a <br> traditional bank account in xxxxxx at least 10 days prior to closing or <br> proof sent directly to the settlement agent or escrow account. See attached wire sent directly to escrow. <br>Reviewer 12/08/2025 09:20 AM; Condition has been reviewed. xxxxxx<br>| 12/08/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 856591 | xxxxxx | 7483884 | xxxxxx | 12/17/2025 | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | Max seller contributions allowed per guidelines is 3% for the DSCR loan program. Subject loan closed with 6% seller contributions. |  | Client Waived with Compensating Factors: 25.97 months reserves where 12 months are required, Low LTV for program (66.625%); Good cash down payment |  |  |  | 12/17/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 856591 | xxxxxx | 7483885 | xxxxxx | 12/17/2025 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Per the DSCR loan program guidelines, senior management approval is required for use of gift funds. |  | Client Waived with Compensating Factors: 25.97 months reserves where 12 months are required, Low LTV for program (66.625%); Good cash down payment |  |  |  | 12/19/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 856591 | xxxxxx | 7483886 | xxxxxx | 12/17/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Maximum LTV/CLTV for the DSCR loan program with a DSCR >.75 <1.0% is 65%. Subject loan closed at 66.625% LTV/CLTV. |  | Client Waived with Compensating Factors: 25.97 months reserves where 12 months are required, Low LTV for program (66.625%); Good cash down payment |  |  |  | 12/17/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 858136 | xxxxxx | 8050536 | xxxxxx | 02/06/2026 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Guidelines for the Foreign National DSCR loan program require a minimum of 600 sqft for the subject property. The subject property is xxxxxx sqft. |  | Client waived with compensating factors: 0\*30\*144 primary mortgage payment history, 33% equity in the subject property, 14.4 months reserves, foreign credit report shows strong credit history and all accounts paid as agreed |  |  |  | 02/06/2026 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 858136 | xxxxxx | 7754951 | xxxxxx | 01/15/2026 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Guidelines require a Fraud Report with all high and medium alerts cleared be provided and contain a Fraud Risk Score. The fraud report provided did not have a score or all high and mediums alerts cleared. | Corelogic Report provided with no score due to Foreign National. Confirmation Of Searches Performed reflect all acceptable |  | Client 01/15/2026 04:33 PM; Alerts addressed with documentation provided. Please specify which alerts you still need to be addressed if documentation isn't sufficient. xxxxxx. <br>Reviewer 01/16/2026 08:14 AM; Condition has been reviewed<br>| 01/16/2026 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 858136 | xxxxxx | 7754952 | xxxxxx | 01/21/2026 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | The LTV of 67% exceeds the maximum allowed of 65% for a FN DSCR loan where the DSCR ratio is less than 1.0. |  | Client waived with compensating factors: 0\*30\*144 primary mortgage payment history, 33% equity in the subject property, 14.4 months reserves, foreign credit report shows strong credit history and all accounts paid as agreed |  |  |  | 01/21/2026 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.31

**EXHIBIT 99.31**

**EVOLVE DATA COMPARE**

![](tm267306d1_ex99-30img001.jpg)

**Data Compare**

**Run Date - 02/17/2026 9:39:31 PM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| xxxxxx | 852324 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | DSCR |
| xxxxxx | 852324 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 852324 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified w/ note |
| xxxxxx | 852324 | xxxxxx | QM Status | Non-QM | Exempt | Verified |
| xxxxxx | 852324 | xxxxxx | Self-Employment Flag |  | N | No Stated/Not verified |
| xxxxxx | 853884 | xxxxxx | QM Status | Exempt | Non-QM | Verified |
| xxxxxx | 854387 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 854387 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 854387 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 854387 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 854430 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 854430 | xxxxxx | PITI | 2686.00 | 2667.00 | verified with first payment letter |
| xxxxxx | 854430 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 854430 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 854430 | xxxxxx | Qualifying DTI | 48.55200 | 0.48560 | verified based on WVOE income and total verified debts |
| xxxxxx | 855478 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with loan approval |
| xxxxxx | 855478 | xxxxxx | Self-Employment Flag |  | N | Not required for DSCR |
| xxxxxx | 855564 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | verified with loan approval |
| xxxxxx | 855564 | xxxxxx | Property Zip | xxxxxx | xxxxxx | Verified |
| xxxxxx | 855564 | xxxxxx | Self-Employment Flag |  | N | NA DSCR |
| xxxxxx | 855568 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with Loan Approval |
| xxxxxx | 855568 | xxxxxx | DSCR | 1.700 | 2.260 | Verified with Hazard Binder |
| xxxxxx | 855568 | xxxxxx | PITI | 2294.08 | 2153.92 | Verified with Hazard Binder |
| xxxxxx | 855568 | xxxxxx | Prepayment Penalty Type | Hard |  | Verified |
| xxxxxx | 855568 | xxxxxx | Self-Employment Flag |  | N | Not Required on DSCR |
| xxxxxx | 856224 | xxxxxx | Qualifying DTI | 0.23120 | 0.31446 | Verified Total Debts $4857.72 / Total Qualifying Income $12,675.76 |
| xxxxxx | 856482 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 856482 | xxxxxx | PITI | 3360.45 | 3188.52 | verified PITI only |
| xxxxxx | 856482 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 856482 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 856482 | xxxxxx | Property Type | Single Family | PUD-Detached | verified with appraisal |
| xxxxxx | 856482 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 856486 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 856486 | xxxxxx | PITI | 1683.35 | 1612.35 | Verified PITI only |
| xxxxxx | 856486 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 856486 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 856486 | xxxxxx | Property Type | PUD-Detached | PUD-Attached | Verified with appraisal |
| xxxxxx | 856486 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 856502 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 856502 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 856502 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 856590 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with income documentation |
| xxxxxx | 856591 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with approval |
| xxxxxx | 856591 | xxxxxx | Property Zip | xxxxxx | xxxxxx | Verified |
| xxxxxx | 856591 | xxxxxx | Self-Employment Flag |  | N | N/A DSCR |
| xxxxxx | 857141 | xxxxxx | Qualifying Credit Score | 0 | 809 | Verified with credit report-only 1 score provided |
| xxxxxx | 857141 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with approval |
| xxxxxx | 857141 | xxxxxx | Self-Employment Flag |  | N | N/A DSCR |
| xxxxxx | 857839 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 857839 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 857839 | xxxxxx | Product Code | xxxxxx | xxxxxx | same |
| xxxxxx | 857839 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 857849 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 857849 | xxxxxx | PITI | 1863.49 | 1765.99 | $97.50 HOA |
| xxxxxx | 857849 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 858136 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with appraisal |

---

## Exhibit 99.32

**EXHIBIT 99.32**

**EVOLVE QM ATR DATA**

![](tm267306d1_ex99-30img001.jpg)

**QM ATR Data**

**Run Date - 02/17/2026 9:39:31 PM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| xxxxxx | 852324 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 853884 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $3835.00 | xxxxxx | 0.00% | Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $2735.06 |
| xxxxxx | 854387 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 854430 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 855478 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 855564 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| xxxxxx | 855568 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 856224 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $8689.76 |
| xxxxxx | 856482 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| xxxxxx | 856486 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| xxxxxx | 856502 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| xxxxxx | 856590 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $16477.53 | xxxxxx | 0.00% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $11230.83 |
| xxxxxx | 856591 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| xxxxxx | 857141 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| xxxxxx | 857839 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 857849 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required | Not Required | Non Permanent Resident Alien | Other | Non Permanent Resident Alien | Other | No |  |
| xxxxxx | 858136 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed |  | Foreign National |  |  |  | No |  |

---

## Exhibit 99.33

**EXHIBIT 99.33**

**EVOLVE RATING AGENCY GRADES**

![](tm267306d1_ex99-30img001.jpg)

**Rating Agency Grades**

**Run Date - 02/17/2026 9:39:31 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| xxxxxx | 852324 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 853884 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 854387 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 854430 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 855478 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 855564 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 855568 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 856224 | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 856482 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 856486 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 856502 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 856590 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 856591 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 857141 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 857839 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 857849 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 858136 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |

---

## Exhibit 99.34

**EXHIBIT 99.34**

**EVOLVE VALUATION REPORT**

![](tm267306d1_ex99-30img001.jpg)

**Valuation Report**

**Run Date - 02/17/2026 9:39:31 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 852324 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251109 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251110 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 853884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251102 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251205 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 854387 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251013 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20251023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| xxxxxx | 854430 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251020 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 855478 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251215 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251223 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 855564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251103 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Reasonable | 20251204 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 855568 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251111 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251125 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 856224 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251024 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251112 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 856482 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251103 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| xxxxxx | 856486 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251027 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20251101 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| xxxxxx | 856502 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251024 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| xxxxxx | 856590 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251120 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251126 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 856591 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251013 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 857141 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251117 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251126 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 857839 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251028 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20251030 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| xxxxxx | 857849 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250916 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| xxxxxx | 858136 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251211 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251230 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.35

**EXHIBIT 99.35**

**CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT**

![](tm267306d1_ex99-35img001.jpg)

![](tm267306d1_ex99-35img002.jpg)

**February 23, 2026<br> Due Diligence Narrative Report**![](tm267306d1_ex99-35img001.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

Verus 2026-3 Due Diligence Narrative Report Page \| 1 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

**Clayton Contact Information**

Client Service Management:

---

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

---

---

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

---

**Overview**

Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 140 residential loans selected for Verus 2026-3. The loans referenced in this narrative report were reviewed from 7/2025 to 1/2026. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 140 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;133 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.43% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**140** | &nbsp;&nbsp;**100.00%** |

---

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

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

Verus 2026-3 Due Diligence Narrative Report Page \| 2 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count<br> Reviewed by<br> Clayton***  | ***Scope Applied*** |
| **Full Review** | 140 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 140 |  |

---

Sponsor Acquisition Criteria

The loans were underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

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

Clayton's loan grading complied with rating agency grading definitions published by DBRS, Inc. ("DBRS") and Fitch Ratings, Inc. ("Fitch").

Verus 2026-3 Due Diligence Narrative Report Page \| 3 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

TPR Component Review Scope

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

Credit Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor
Acquisition Criteria cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor
Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ DSCR Loans- Reviewed lease agreements and third-party market rent documents
to confirm compliance with Debt-Service-Coverage-Ratio requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was ordered by the
Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing System and Registry ("NMLS") and occupancy status
alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (140 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Field Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Full Appraisal

Verus 2026-3 Due Diligence Narrative Report Page \| 4 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional desk reviews were ordered on loans with an acceptable CU score based on guidance from the seller.

Regulatory Compliance Review

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u> and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment
penalty provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation
depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required
rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

Verus 2026-3 Due Diligence Narrative Report Page \| 5 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

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

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

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

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

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

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

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

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

Verus 2026-3 Due Diligence Narrative Report Page \| 6 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

Data Integrity

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

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

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

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

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

Data Capture

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

Verus 2026-3 Due Diligence Narrative Report Page \| 7 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

**Data Compare Results**

Clayton provided VMC Asset Pooler, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.29% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.86% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.86% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;32 | &nbsp;&nbsp;77.14% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;95.71% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.29% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;88.57% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.86% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.86% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;32 | &nbsp;&nbsp;77.14% |
| &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.29% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.86% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;94.29% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.86% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.29% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;91.43% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;49 | &nbsp;&nbsp;65.00% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.29% |

---

Verus 2026-3 Due Diligence Narrative Report Page \| 8 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.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 grade.

**Initial and Final Overall Loan Grade Results (DBRS & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 89 |  | 10 | 21 | **120** |
| **Final** | **B** |  | 8 | 7 | 5 | **20** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **89** | **8** | **17** | **26** | **140** |

---

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

**Initial and Final Credit Component Grade Results (DBRS & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 97 |  | 6 | 19 | **122** |
| **Final** | B |  | 10 | 5 | 3 | **18** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **97** | **10** | **11** | **22** | **140** |

---

**Initial and Final Property Valuation Grade Results (DBRS & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 125 |  | 6 | 6 | **137** |
| **Final** | B |  | 2 | 1 |  | **3** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **125** | **2** | **7** | **6** | **140** |

---

Verus 2026-3 Due Diligence Narrative Report Page \| 9 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

**Initial and Final Regulatory Compliance Grade Results (DBRS & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 70 |  | 1 |  | **71** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **70** | **0** | **1** | **0** | **71** |

---

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

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

---

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

---

Verus 2026-3 Due Diligence Narrative Report Page \| 10 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non-occupant co-borrower

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

Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

Verus 2026-3 Due Diligence Narrative Report Page \| 11 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.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;▪ Paystubs

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS documents

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

- Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

- Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

- Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold estate

- Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

- Applicable title endorsements were present

- Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issue was addressed in the transaction

- Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

- Funds to close identified and analyzed against borrower's assets

- Seller contributions did not exceed maximum allowed

- Subject property, seller and borrower aligned with other loan documentation

- Disbursements and pay-offs included in debt ratio calculations

Verus 2026-3 Due Diligence Narrative Report Page \| 12 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required)

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

- Reviewed for evidence that any required insurance policy premium was paid

- Confirmed that the mortgagee clause listed the lender's name and "its successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

- Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage
or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped "true and certified copy"
by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan
file to identify and address any potential misrepresentations including:

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

Verus 2026-3 Due Diligence Narrative Report Page \| 13 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

**Appendix B: Origination Appraisal Assessment**

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

- FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report was reasonably complete and included:

- Appraisal report form, certification, statement of limiting conditions and scope of work

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

- Accurate identification of the property type, in both land and improvements

- All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC Market Conditions Report

- Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and
USPAP based on the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

Verus 2026-3 Due Diligence Narrative Report Page \| 14 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

- Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

- Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

C. Reviewed and graded the appraisal valuation to the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete. However, if the property was not 100% complete, then any unfinished portion had
no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following
key points in making determination:

- Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was "highest and best use"

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant occupancy

- Physical condition of the property was reviewed to determine that the property condition was average or better

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met
the client supplied eligibility requirements. Examples of ineligible property types may include:

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

Verus 2026-3 Due Diligence Narrative Report Page \| 15 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA
Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed
valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the
underlying property

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will
not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real property
relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer.
The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date
of the appraisal provided. The CDA will also provide an analysis of the appraisal provided, including supporting
narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also
contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear
Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the
file completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original
appraiser's methodologies, credentials, and commentary to ensure compliance with regulatory requirements and industry accepted best
practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

Verus 2026-3 Due Diligence Narrative Report Page \| 16 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory
on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation
within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee
tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop
for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm
the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within
3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether
the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure
Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of
the prepayment penalty disclosure and assumption policy with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application,
7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on
or after July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the
loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance,
mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

Verus 2026-3 Due Diligence Narrative Report Page \| 17 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official
Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

Verus 2026-3 Due Diligence Narrative Report Page \| 18 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.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;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

Verus 2026-3 Due Diligence Narrative Report Page \| 19 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.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;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton tests whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton tests whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high-cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

Verus 2026-3 Due Diligence Narrative Report Page \| 20 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

Verus 2026-3 Due Diligence Narrative Report Page \| 21 Fenruary 23, 2026

![](tm267306d1_ex99-35img001.jpg)

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

Verus 2026-3 Due Diligence Narrative Report Page \| 22 Fenruary 23, 2026

## Exhibit 99.36

**EXHIBIT 99.36**

**CLAYTON CONDITIONS REPORT**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-3** |
| **Start - End Dates:** | **7/28/2025 - 1/16/2026** |
| **Deal Loan Count:** | **140** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *140* |
| ***Loans with Conditions:*** | *51* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Morningstar/DBRS Initial Securitization Compliance Loan Grade** | **Morningstar/DBRS Final Securitization Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Moodys Compliance Loan Grade** | **Final Moodys Compliance Loan Grade** | **Initial KBRA Compliance Loan Grade** | **Final KBRA Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 849811 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing perm resident card (green card) for the co-borrower xxxxxx. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 13 months reserves after closing. |
| 849811 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied C A | CRDLGL199 | Discrepancy between Note and ARM Rider | No | Missing ARM Rider to Mortgage. | (No Data) | Not applicable on DSCR loans. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 13 months reserves after closing. |
| 849811 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | The tax ID for xxxxxx was not in the file. Also, this entity is a multi-level entity structure with one member being xxxxxx, but the documentation (partnership agreement, evidence of good standing, Limited partner consents and tax ID) for xxxxxx was not in file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 13 months reserves after closing. |
| 850001 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 21%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 678 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $35,006.67, 9.87 months. 6 months required. |
| 850586 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | Property Valuations | Property | Satisfied C A | PRVAPROP2674 | Property Issues Indicated 2 | No | Missing condo SIRS (Structural Integrity Reserve Studies) Inspection required for projects 3 stories or greater and over 30 years old (or 25 years if within 3 miles of the coast). Condo questionnaire indicates an inspection is available. | 11-18-25 Client uploaded SIRS report. 11-20-25 Client emailed an enlarged screenshot. | 11-19-25 Clayton reviewed SIRS report which was not fully legible as notes section was cut off in the following sections: xxxxxx. Provide fully legible copy of SIRS report. Exception remains. 11-21-25 Clayton reviewed screenshot with management and report was deemed acceptable. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $74,490.20 or 14.34 months piti reserves. 6 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 755. G/l min is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage history past 36 months |
| 851161 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16.3 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.56% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 358 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 10.91 months of reserves in file. |
| 851163 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 720, minimum required by G/L is 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied their current residence for 14.2 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $2383.09 X 3 = $7149.27. Post close reserves $62,836.16 or 26.36 months PITIA |
| 851164 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1. | 7.30.25 HUDF provided reflects no Deposit of borrower cash to close from the borrower. Initial EST HUD details = $179,169.13 in cash to close. exception remains. 7.31.2025-Client's response: July 31st 2025, 2:16:02 pmCorrect final settlement statement provided, please clear finding.7.31.2025-Clayton's response: Received Final HUD1, exception satisfied. | 7.30.25 exception remains. 7.31.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 145 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 851164 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | xxxxxx marked as Non Warrantable due to investor concentration > 50% and operates as a xxxxxx. Clayton deems exception non material / non fatal to the final ending decision. Grade = 2/B. | 11.13.2025 - Acknowledged by Client | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 145 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 851166 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the mortgage payments to xxxxxx. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $35,414.44, or 6.39 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 685 exceeds guideline minimum of 640 for a DSCR cash out refinance with a ratio < 1.00.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers owns residence 31 months with 0 mtg lates. Borrower has never been 1X30 with history from 10/2014 |
| 851166 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Final Inspection states that the work was not done in a workmanlike manner. Provide Final Inspection. | 10.8.2025-Client's response: October 8th 2025, 8:45:51 amFinal inspection dated xxxxxx states completed in a workmanlike manner. Please clear finding.10.8.2025-Clayton's response: Received the Final Inspection, exception is satisfied. | 10.8.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $35,414.44, or 6.39 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 685 exceeds guideline minimum of 640 for a DSCR cash out refinance with a ratio < 1.00.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers owns residence 31 months with 0 mtg lates. Borrower has never been 1X30 with history from 10/2014 |
| 851167 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower xxxxxx has owned the primary residence 30 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date xxxxxx, reporting 0x30<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x79 mortgage payment history |
| 851168 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Borrower is short on reserves. Loan program requires 3 months of reserves $5,024.79. Borrower has $686.08. | 10.23.25 Reserves are being used from a different loan xxxxxx, copy of the final settlement provided. 10.24.25 exception satisfied | 10.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 33 Months Reserves<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive Mortgage Payment History |
| 851169 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP155 | Application Missing | No | Missing Final 1003 for Business Entity and both Guarantors | 8.21.25 final 1003 for review.8.22.25 EXCEPTION SATISFIED | 8.22.25 EXCEPTION SATISFIED | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $1771.78 X 3 = $5315.34. Cash to borrower $79,801.99 or 45.04.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 750, minimum required by G/L is 700 |
| 851170 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.19%, max allowed by G/L is 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $3110.62 X 6 = $18,663.72. Post close reserves $472,827.81 or 152 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 753, minimum required by G/L 620 |
| 851171 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 28.38 months reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower in current residence for 4 years 4 monthsBorrowers owns residence. Primary is free and clear. |
| 851172 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 211+ Months reporting<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 31+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12 Months Reserves |
| 851173 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing final HUD | 10.15.25 Document uploaded. Please clear finding.10.16.25 exception satisfied | 10.16.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 52 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 104+ months reserves exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history. |
| 851175 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 28 months in reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value is 45.45%, Max LTV is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 726, min is 620. |
| 851176 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 1 additional statement for xxxxxx and xxxxxx \*consecutive to July 2025. Require Two months statements received only one month for July 2025 | (No Data) | 10.15.25 - This is an xxxxxx loan which only requires 30 days seasoning for reserves. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 851177 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 80% exceeds LTV requirement = 75% for C/O DSCR with FICO = 715.Clayton deems non material = grade 2/B. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $30,159.13 / 15.33 months PITIA reserves<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history. Borrowers owns residence 53 months with 0 mtg lates |
| 851177 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Title incomplete- Provide missing pages | 10.6.25 please find all pages10.7.25 exception satisfied | 10.7.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $30,159.13 / 15.33 months PITIA reserves<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history. Borrowers owns residence 53 months with 0 mtg lates |
| 851178 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the mortgage payments to xxxxxx. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $41,48.48, or 20.14 months. 3 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 698 exceeds guideline minimum of 680 for a DSCR cash out refinance at 75% LTV. |
| 851179 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 10.10.25 final SS rcvd10.13.25 exception satisfied | 10.13.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 202+ Months reporting<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV is 59.36% and Max LTV is 75%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 851180 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | 12 months canceled checks for the mortgage payments to xxxxxx. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower xxxxxx has owned the primary residence 23 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x39 mortgage payment history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date xxxxxx, reporting 0x30 |
| 851180 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Property purchased less than 12 months ago is limited to 75%. Loan to value is 75.80%. Clayton deems this non-material. Compensating factors FICO 764, 32 months in reserves, 23 years at current residence. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower xxxxxx has owned the primary residence 23 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x39 mortgage payment history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date xxxxxx, reporting 0x30 |
| 851181 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Missing 1) Completed Condo Questionnaires; 2) HOA Current Annual Budget; 3) HOA Balance Sheet dated within the past 90 days | 10.20.2025 Client responded hoa cert please clear.10.20.2025 Client provided the HOAQuestionnaire and Certification. Exception satisfied- | 10.20.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%, max allowed by G/L is 75% |
| 851183 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14 Months Reserves<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV is 55% and Max LTV is 70%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 12 Months positive pay history on Mortgage |
| 851185 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 257+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 75+ Months reporting |
| 851186 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets$5,260.74 reserves in file or 2.10 months PITI short of 3 month PITIA requirement. Clayton deems exception to be non material = grade 2/B. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 qualifying score exceeds guideline minimum of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary / current residence for 5+ years.Borrowers owns residence. Primary is free and clear. |
| 851186 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 10.20.25 please find the final SS10.22.25 exception satisfied | 10.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 qualifying score exceeds guideline minimum of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary / current residence for 5+ years.Borrowers owns residence. Primary is free and clear. |
| 851187 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $1446.60 X 3 = $4339.80. Post close reserves $34,285.71 or 23.70 months PITIA<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The borrower has a 18 year credit history with 27 open and active tradelines 0X30 |
| 851188 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied their current primary for 18 yearsBorrowers owns residence 99 months with 0 mtg lates<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $896.29 X 3 = $2688.87. Post close reserves $49,515.41 or 55.24 months PITIA<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: The borrower has a 47 year credit history with 22 open active tradelines 0X30 |
| 851189 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 851190 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 360 MONTHS CREDIT HISTORY EXCEEDS GUIDELINES.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 17+ months reserves exceeds guidelines.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 851191 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Missing updated valuation to support original appraised value. | 11.19.25 Please see attached CDA11.19.25 exception satisfied | 11.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $158,703.40 post closing reserves, 101 Months PITIA.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Default 680 exceeds 620 requirement |
| 851193 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max loan to value for loan program is 65% due to DSCR being less than 0.7500. Loan to value is 70%. Clayton deems this non-material. Compensating factors; FICO 745, 82 months in reserves, 4 years at current residence. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 851193 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Supporting documents for using the value of xxxxxx versus the appraised value of xxxxxx. | 10.5.2025-Client's response: October 1st 2025, 12:07:43 pmDue to the borrower completing the loan purchase contract and taking title on xxxxxx the value is based off PP + IMPS + CC's. Please clear finding.10.5.2025-Clayton's response: Property was Quit Claimed to the borrower on xxxxxx. Value was calculated using purchase price plus cost of improvements and closing costs. Exception satisfied. | 10.5.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines |
| 851194 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max loan to value is 70% due to being a short term rental. Loan to value is 75%. Clayton deems this non-material. Compensating factors: 22 months in reserves, 26 years at current residence, 691 FICO. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 26+ years.Borrowers owns residence 39 months with 0 mtg lates<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 270 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22+ months reserves exceeds guidelines. |
| 851195 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $42,420.00, or 7.50 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a DSCR purchase with a 781 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 exceeds guideline minimum of 680 for a DSCR purchase at 75% LTV. |
| 851196 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 64.45 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.35% LTV for Subject Property is below guideline max LTV of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 665 > 45 points above guideline program minimum of 620. |
| 851197 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Reference Letter, Demonstrates Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 92 Months Reserves<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Current LTV is 59.17% and Max LTV is 70% |
| 851203 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 362+ months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 2 years. Borrowers owns residence. Primary is free and clear.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 99+ months reserves exceeds guidelines. |
| 851204 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Provide executed Note. | 10.15.25 Executed note provided, please clear finding.10.16.25 exception satisfied | 10.16.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 qualifying score exceeds guideline minimum of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $64,734.28 reserves in file or 33.87 months PITI > required guidelines |
| 851205 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 10.22.25 Please find the HOA cert10.2.25 exception satisfied | 10.2.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $37,487.89, or 31.53 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.50% is below guideline maximum of 80% for a DSCR cash out refinance with a 759 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 9/2012. |
| 851206 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 6 Months Reserves are required using DSCR of 0.4975 (Lender reflects DSCR of 1.18 which would require 3 Months Reserves) | 10.15.2025 Client provided - Reserves verified $26,228.13, account xxxxxx $12,228.13 and xxxxxx $14,000.00. Upload copy of bank documentation along with the HELOC account for seasoning purposes. Please clear finding. 10.15.2025 Client provided documents to verify 3 months reserves. Exception satisfied | 10.15.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 269+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57+ Months reporting positive |
| 851206 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide the Operating Agreement for the LLC. | 10.16.2025 Client responded - Copy of the operating agreement along with other LLC documentation provided. | 10.16.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 269+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57+ Months reporting positive |
| 851206 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Final HUD 1 is missing in the file. | 10.29.25 Final settlement statement provided, please clear finding.10.29.25 exception satisfied | 10.29.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 269+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57+ Months reporting positive |
| 851206 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing Title | 10.16.2025 Client responded - Title report provided please clear finding.1.16.2025 Client provided Title report. Exception satisfied | 10.16.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 269+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57+ Months reporting positive |
| 851206 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Provide HOA Certificate/Questionnaire. | 10.16.2025 Client responded - HOA questionnaire provided, please clear finding.10.16.2025 Client provided the HOA Certificate/Questionnaire. Exception satisfied | 10.16.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 269+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57+ Months reporting positive |
| 851207 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $285,088.09, or 95.28 months. 3 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 4 years. Borrowers owns residence. Primary is free and clear.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 8/2021. |
| 851209 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Certificate/Questionnaire | 10.15.2025-Client's response: October 15th 2025, 1:47:14 pmCondo questionnaire provided, please clear finding.10.15.2025-Clayton's response: Received the HOA, exception is satisfied. | 10.15.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $83,703.00, or 39.54 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a DSCR purchase with a 761 credit score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 5 years |
| 851210 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 791 > 171 points above guideline program minimum of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 0 months of reserves exceeds guideline requirements of 106.12 months.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 851211 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Max loan to value is 75% due to property being a short term rental; loan to value is 75.75% Clayton deems this non-material. Compensating factors; FICO 742, 63 months in reserves, 6 years at current residence. | 11.13.2025 - Acknowledged by client | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $201,880.76 post close reserves, 63.45 months PITI; 3 months required reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline xxxxxx, reporting 0x30<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 credit score; 620 minimum required score |
| 851212 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $79,882.20, or 19.12 months. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 760 exceeds guideline minimum of 680 for a DSCR purchase at 75% LTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 10/2014. |
| 851214 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $36,003.73, or 28.48 months. 3 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 6 yearsBorrowers owns residence 35 months with 0 mtg lates.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 639 exceeds guideline minimum of 620 for a DSCR cash out refinance |
| 851215 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Minimum equity = $38,000 does not meet xxxxxx $40,000 requirement. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 219+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 37+ Months reporting |
| 851215 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Questionnaire | 10.125.25 HOA cert rcvd | 10.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 219+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 37+ Months reporting |
| 851216 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV is 70% due to the borrower receiving a Gift of Equity. Loan to value is 75%. Clayton deems this non-material. Compensating factors FICO 708, 67 months in reserves and 8 years at current residence. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 67 months in reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years. Borrowers owns residence 96 months with 0 mtg lates.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 708, min is 620. |
| 851217 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 800 > 180 points above guideline program minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 55.97 months of reserves exceeds guideline requirements of 3 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 24 months with 0x12 credit payment history exceeds guidelines of 12 months. |
| 851218 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $1622.13 X 3 = $4866.39. Post close reserves $135,908.69 or 83.78 months PITIA<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%, max allowed by G/L is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 764, minimum required b G/L is 680<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 851219 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $16,002.08, or 10.38 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a DSCR cash out refinance with a 765 credit score.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 4/2022. |
| 851220 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 8+ years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $53,958.15 reserves in file or 27.18 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qualifying score exceeds guideline minimum of 620 |
| 851221 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 236 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8+ months reserves exceeds guidelines.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 851222 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 120 months with 0x30 consumer credit payment history exceeds guidelines of 24 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $62,399.56 in file or 24.01 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 646 qualifying score exceeds guideline minimum of 620 |
| 851226 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Credit | Income/Employment | Waived C B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | First time homebuyer requires a DSCR of 1.00 or greater. (PITIA $3,732.56 / Market rent $3,700 = DSCR 0.9912). | October 21st 2025, 10:25:43 amCredit exception has been uploaded please clear finding.10.26.2025-Upon further review Clayton deems this non-material. Compensating factors: FICO 802, 138 months in reserves, good cedit history11.13.2025 - Acknowledged by client | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements |
| 851226 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Property Valuations | Property | Waived B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Property Type unacceptable under guidelines. xxxxxx project with one entity owning xxxxxx of the xxxxxx units which equals 31.25% of the total units- Max is 30% Clayton deeds this non-material. Compensating factors FICO 802, 3 tradelines with activity in the last 12 months, and almost 5 years at current residence. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements |
| 851227 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets Cash Back $30619.61, 27.57 months reserves, 3 months required<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 851229 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No | Please Provide copy of executed Note. | 10.14.25 Note rcvd | 10.15.25 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 231+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 5 Months Reserves and 3 Months are Required |
| 851229 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Please provide an executed copy of mortgage. | 10.14.25 Mtg rcvd | 10.15.25 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 231+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 5 Months Reserves and 3 Months are Required |
| 851229 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL806 | Notary Status is missing | No | Please Provide copy of executed notary for Mortgage. | 10.14.25 Mtg rcvd | 10.15.25 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 231+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 5 Months Reserves and 3 Months are Required |
| 851229 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Missing Signed 1003 for xxxxxx and xxxxxx...Missing Signed Note, Mortgage, Personal Guaranty | 10.13.25 Copy of the executed 1003, Note, Personal Guaranty and DOT provided. 10.15.25 exception satisfied | 10.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 231+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 5 Months Reserves and 3 Months are Required |
| 851230 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A C | A | A C | A | A C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Missing Condo Questionnaire | 10.20.25 HOA questionnaire provided, please clear finding.10.22.25 exception satisfied | 10.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%, max allowed By G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $1153.71 X 3 = $3461.13. Post close reserves $20,166.09 or 17.47 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 750, minimum required by G/L is 660 |
| 851231 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary residence for 18 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 credit score exceeds guideline minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35.09 months reserves exceed guideline minimum of 3 months. |
| 851233 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 53 months in reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value is 70%, max LTV 75%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has provided a credit reference letter from their bank. |
| 851234 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 734, minimum required by G/L a 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 52.32%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves not require on LTV <65%. Post close reserves $160,142.09 or 69.64 months PITIA |
| 851236 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing xxxxxx or VRBO documentation supporting Short Term Rental. | 10.10.25 Loan is a DSCR using form 1007 for STR. See also STR calculator w/ 20% reduction. 10.13.25 exception satisfied | 10.13.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 211+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 20 Months Reserves |
| 851237 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 236+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 851238 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 793 > 173 points above guideline program minimum of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.49% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past 2 years and 3 months. Borrowers owns residence 16 months with 0 mtg lates. |
| 851239 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD | 10.10.25 Final settlement statement provided, 10.13.25 exception satisfied | 10.13.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $783,060.90, or 80.47 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below guideline maximum of 80% for a DSCR cash out refinance with a 745 credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 10 years. |
| 851240 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 102 Months Reserves<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Demonstrates positive Mortgage payment history |
| 851241 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 5 years.Borrowers owns residence. Primary is free and clear.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 231 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 41+ months reserves exceeds guidelines. |
| 851243 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 15+ years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $178,988.62 reserves in file or 18.20 months PITI > required guidelines |
| 851244 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $19,161.28 post close reserves, 8.48 months PITIA; 3 months required reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline xxxxxx, reporting 0x30<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 credit score; 620 minimum required score |
| 851245 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied their primary for 30 yearsBorrowers owns residence 52 months with 0 mtg lates.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $2289.25 X 3 = $6867.75. Post close reserves $228,646.85 or 99.87 months PITIA |
| 851246 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 5.046 months of reserves exceeds guideline requirements of 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 810 > 190 points above guideline program minimum of 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for the past 9 years and 7 months. Borrowers owns residence, 82 months with 0 mtg lates. |
| 851247 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied his current primary for 25 years 0x30x33 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $5191.45 X 3 = $9254.01. Post close reserves $88,368.12 or 17.02 months PITIA<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history |
| 851248 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $40,137.39, or 19.82 months. 3 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers owns residence 70 months with 0 mtg lates.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 733 exceeds guideline minimum of 700 for a DSCR purchase at 80% LTV. |
| 851249 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Visa and also utility bill to confirm current residence. | 10.22.2025 Client responded - A copy of the borrower's passport has been provided. The borrower is a foreign national, no utility bill is required. Please clear finding. 10.22.2025 Client provided a copy of the borrower's passport. Borrower is a foreign national. Exception satisfied | 10.22.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 28+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 2 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history. |
| 851250 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.3 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 761 > 141 points above guideline program minimum of 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for the past 10 years and 0 months. |
| 851252 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 qualifying score exceeds guideline minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $20,839.74 reserves in file or 10.63 months PITI > required guidelines |
| 851253 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 8 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 410 months credit history exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 114+ months reserves exceeds guidelines. |
| 851254 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 93.66 months of reserves exceeds guideline requirements of 0 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 743 > 123 points above guideline program minimum of 620. |
| 851255 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 224+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15 Months Reserves |
| 851256 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final hud-1 | 10.10.25 Final settlement statement provided, 10.13.25 exception satisfied | 10.13.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $164,921.74, 3 months PITIA required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 exceeds guideline minimum of 720 for a DSCR cash out refinance at 80% LTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 1/2007. |
| 851256 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Credit | Legal Documents | Waived D B | CRDLGL4033 | Missing Legal Document(s) | No | Missing cash out purpose letter. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $164,921.74, 3 months PITIA required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 exceeds guideline minimum of 720 for a DSCR cash out refinance at 80% LTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 1/2007. |
| 851256 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value of xxxxxx. | 10.10.25 DVR supporting the value has been uploaded. 10.13.25 exception satisfied | 10.13.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $164,921.74, 3 months PITIA required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 exceeds guideline minimum of 720 for a DSCR cash out refinance at 80% LTV.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 1/2007. |
| 851257 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Provide third party valuation that supports the appraised value of xxxxxx. | 10.16.25 please find CU10.17.25 exception satisfied | 10.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 92 Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 84 Months Reserves |
| 851258 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 142+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26 Months Reserves |
| 851259 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 18+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 184 months credit history exceeds guidelines. |
| 851260 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 76.50% is below guideline maximum of 80% for a DSCR cash out refinance with a 785 credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $181,929.10, or 128.81 months. 3 months required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 5/2005. |
| 851261 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Minimum equity does not meet guidelines kof $40,000. Short by $2000. Credit exception in file with compensating factors of LTV 75%. FICO 688, 12 open tradelines, Years at present address 13 years and cash to borrower . | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline requirement of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 688 exceeds credit guidelines of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 3 months PITI reserves required - $3182.31; verified post close assets of $103,997.73 or 98.03 months reserves. |
| 851262 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Guidelines require that First Time Homebuyers have a DSCR of at least 1; DSCR is 0.9840. Clayton deems this non-material. Compensating factors FICO 787, Rental history 0x30, good credit history. | (No Data) | 11.17.25 Acknowledged buy the client. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 exceeds 700 requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $1809.05 X 3 = $5427.15. Post close reserves $9196.90 or 5.08 months PITIA |
| 851264 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A C | A | A C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Asset statement needed to confirm Cash to close = $102,006.89 | 10.28.25 CTC funds came from a different transaction, a copy of the FSS for loan xxxxxx provided10.28.25 exception satisfied | 10.28.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 24 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 282 months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Guarantor demonstrates positive mortgage payment history. |
| 851265 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for the past 21 years and 0 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 785 > 165 points above guideline program minimum of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV for Subject Property is below guideline max LTV of 80% |
| 851268 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines |
| 851269 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for the past 11 years and 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 704 > 84 points above guideline program minimum of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 39.93% LTV for Subject Property is below guideline max LTV of 80% |
| 851270 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 662 qualifying score exceeds guideline minimum of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 12+ years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $140,570.64 reserves in file or 61.88 months PITI > required guidelines |
| 851272 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 784, minimum required by G/L is 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required <=65% LTV Post close reserves $11,998,858.71 or 933.11 months PITIA |
| 851273 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Final HUD 1 is missing in the file. | 10.21.25 Final settlement statement provided, please clear finding.10.22.25 exception satisfied | 10.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $71,109.29, or 16.64 months. 3 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 12 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 726 exceeds guideline minimum of 720 for a DSCR purchase at 80% LTV. |
| 851274 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline requirement of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 720 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 3 months PITI - $8521.23. Verified post close assets of $468,289.85 or 164.87 months PITI reserves. |
| 851276 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A C | A | A C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Borrower received $898,490.93 cash at closing. LTV of 75% is greater than the LTV of 65% allowed per guidelines for cash out over $500,000. | 10.16.2025 Client responded - This is a delayed financing deal, the max LTV is 85% and unlimited cash out. Please clear finding. 10.16.2025 After further review, Loan program is delayed financing. All documents in file to support. Exception satisfied | 10.16.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines |
| 851277 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $116,982.49, or 106.73 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 736 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.00. |
| 851278 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 10.31.25 FINAL ss FOR REVIEW11.2.25 exception satisfied | 11.2.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History, with no late payments or derogatory ratings in past 4 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 123 Months Reserves, none required. |
| 851280 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 250+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 18 Monthsa Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 851281 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 107+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 100 Months Reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15+ Years at current Residence |
| 851282 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $37,603.28 reserves in file or 18.83 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 5+ years. |
| 851283 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $27,824.00, or 14.19 months. 3 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 exceeds guideline minimum of 720 for a DSCR cash out refinance at 80% LTV. |
| 851284 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing final HUD | 10.20.25 Final settlement statement provided, please clear finding.10.21.25 exception satisfied | 10.21.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied their subject property for 13 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $3596.52 X 3 = $10,789.56. Post close reserves $46,446.87 or 12.91 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 721, minimum required by G/L is 680 |
| 851286 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 803 > 183 points above guideline program minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22.96 months of reserves exceeds guideline requirements of 3 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past 24 years and 3 months. |
| 851287 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current residence 5 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Guarantor demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15+ months reserves exceeds guidelines. |
| 851288 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Per xxxxxx guidelines; Refinance Loans properties listed for sale with the past 6 months are allowed but require a minimum of 2-year prepayment penalty. Subject listed xxxxxx and closed with a 1 year prepayment penalty. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 379+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 56+ Months reporting positive<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 851290 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 20+ years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 132 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $117,969.31 reserves in file or 48.70 months PITI > required guidelines |
| 851291 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 10.16.25 please find the final SS1.17.25 exception satisfied | 10.17.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 361+ Months reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 73+ Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $371,104.71 / $4,579.38 (PITI) = 81.04 Months Reserves |
| 851292 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 30 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 45+ Months reporting |
| 851293 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Property is a STR that is limited to 70% LTV. Loan to value is 75%. Clayton deems this non-material. Compensating factors; FICO 724, 37 months in reserves, DSCR 1.1913%. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 72 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $651,035.97 in file or 34.94 months PITI > required guidelines |
| 851720 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH104 | Credit score below guidelines | No | The borrower has a credit score of 668. Credit score is 700 is required per the matrix for cash out at 70% for DSCR is under 1.0. | (No Data) | Short term rental was utilized to determine the DSCR increased the DSCR to 1.45 | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 113.61 months reserves after closing.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The borrower has 19 timely mortgage payment on their primary mortgage. |
| 851720 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing LOX as to why xxxxxx was listed as the original hazard insurance policy if property is owned free an clear. | (No Data) | The loan was original going the xxxxxx. (Appraisal was done for xxxxxx) and transferred to xxxxxx. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 113.61 months reserves after closing.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The borrower has 19 timely mortgage payment on their primary mortgage. |
| 851788 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Property Valuations | Appraisal | Waived C B | PRVAAPPR4789 | Appraisal Deficiency | No | Appraiser used xxxxxx and xxxxxx unit rental comps that are not true comps to subject which is a xxxxxx unit property. Approved exception in file. Clayton deems non-material/non-fatal to lending decision as Property is fully occupied with leases that support rental income and the following compensating factors: 176.06 months cash reserves/6 required, LTV 57.20%/75% maximum and Credit score of 712/700 minimum. | 12/08/2025 - Acknowledged by client. | 12/08/2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 712 is 12 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.20%; guidelines allow 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $1,708,62.67/176.06 PITIA which is > guideline minimum of 6 months PITIA. |
| 851972 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 12 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%. G/l max is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22.81 months piti reserves, 6 months required |
| 852532 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A C | A | A C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | xxxxxx transaction history statement does not identify the subject property address per guidelines (sec1.8.2.1.2). Provide evidence that "xxxxxx. | 11-19-25 Client replied: Please see uploaded xxxxxx with address. | 11-19-25 Clayton reviewed xxxxxx report which is for the subject property which list the subject property title as first comp on report which matches the title on the xxxxxx report used to qualify. Reviewer compared map for first comp to appraisal which also matches. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 697 exceeds the minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 54.35% is below the maximum of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 65 months reviewed for primary residence mtg, exceeds the 12 months required<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced by $878.92/month.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $128451.62, 24.68 months reserves, 0 months required |
| 852534 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 689 is above the required 660.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.94 months piti reserves. 6 required. |
| 852535 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $28,950 above the required $121,225 down payment for a total down payment of $150,175.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $31061.78, 11.72 months reserves, 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 68.49% is below the maximum of 75% |
| 852810 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of717 is above the required 700<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower current PITI is 2849.77; Subject PITI is 2249.41. Monthly savings of $600.36<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $391024.46 or 173.83 months of PITIA. 3 months required. |
| 852811 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.809% LTV is below the 75% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $304,452.03, 152.51 months. 6 months required.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower putting an additional $52500 down above what is required. |
| 853279 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 691 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $86,391.91, 27.96 months. 0 months required. |
| 853306 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 Credit score exceeds guidelines of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $1,418,979.69 or 118 months PITIA. No reserves required. |
| 853415 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 802. Guideline minimum 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $70,080.94, 25.2 months. No reserves are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B2 has been in current residence 3 years. |
| 853789 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is above the required 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 4 years as owner.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Coborrower has 110 months of consumer credit history with no late payments, 24 months is required. |
| 853792 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 757 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $57,811.39, 24.91 months. 0 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds the required 12 months. |
| 853797 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing document clearing the SSN alert on the Fraud Report. | 11-24-25 Client uploaded fraud report. 11-26-25 Client uploaded SSN card. | 11-25-25 Clayton reviewed the fraud report which reflects a social security check was run and matched. Please provide the social security security verification that was used to clear the alert. Exception remains. 11-26-25 Clayton reviewed Social security card which matches the SSN on fraud report. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 705 exceeds the minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below the maximum of 85%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $119584.77, 20.48 months reserves, 0 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 59 months reviewed for primary residence mtg, exceeds the required 12 months |
| 853797 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER4238 | Business entity does not meet guidelines | No | Corporation has 8 members. Guidelines allow no more than 4 members. Exception approved to allow more than 4 members.Clayton deems non-material/non-fatal to lending decision due to compensating factors: credit score 705/660 minimum, LTV 75%/85% maximum, 0% credit usage, mortgage history of 59 months/12 required and 20.48 months cash reserves/0 required. | 12.02.2025 - Acknowledged by client. | 12.02.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 705 exceeds the minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below the maximum of 85%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $119584.77, 20.48 months reserves, 0 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 59 months reviewed for primary residence mtg, exceeds the required 12 months |
| 853798 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.905%; guidelines allow 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $136,441.34, 28.49 months; 6 months required. |
| 854149 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been in primary residence 20 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $75,412.85, 59.43 months. 6 months reserves are required. |
| 854150 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $38,986.92 = 10.90 months of reserves. 6 months required.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Income: DSCR $11,020/$3,576.04 Net rental income divided by PITIA = 3.0816 DSCR |
| 854154 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 700. Guideline minimum 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $10,746.57, 5.12 months. No reserves are required. |
| 854309 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 816 is 116 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.67%; guidelines allow 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $72,112.92, 9.05 months; 6 months required. |
| 854460 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of792 is above the required 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.429% is below the maximum allowable of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $31452.89 or 10.97 months of PITIA. 0 months required. |
| 854461 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A B | A | A B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing property report for primary residence that is owned free/clear to satisfy housing history requirement. | 12/08/2025 - Acknowledged by client. | 12/08/2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of817 is above the required 740<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $59263.39 or 30.49 months of PITIA. 0 months required. |
| 854462 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 FICO score is above the 700 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 4 years of mortgage history is above the required 1.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $38,715.15, 9.84 months. 0 months required. |
| 854464 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8.12 months of reserves in file. |
| 854465 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $11,533.81, 6.95 months, 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 75%.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional 5% down payment or $11,500. |
| 854468 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 775 is 35 points above minimum program requirement of 740.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30x99 on all open credit accounts.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $300,506.58, 41.15 months; 3 months required. |
| 854471 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Unable to calculate post closing assets due to missing settlement statement.Final settlement statement reflecting cash required of approximately xxxxxx with xxxxxx EMD/Additional deposits. | 12-15-25 Client uploaded final HUD. | 12-16-25 Clayton reviewed final HUD and calculated cash reserves at $36,613.97 which is sufficient. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 747. Guideline minimum 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are utilizing 17% of the available revolving credit limit.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been in current residence 6 years. |
| 854471 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Please provide the final settlement statement reflecting cash required of approximately xxxxxx with xxxxxx EMD/Additional deposits. | 12-15-25 Client uploaded final HUD. | 12-16-25 Clayton reviewed final HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 747. Guideline minimum 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are utilizing 17% of the available revolving credit limit.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been in current residence 6 years. |
| 854472 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 736. Guideline minimum 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 18 months on-time mortgage history. The guidelines require 12 month review.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $3,485.61, 1.34 months. No reserves are required. |
| 854473 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A C | A | A C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing sufficient hazard insurance coverage, or replacement cost estimate. Condo insurance does not cover unit, as stated in binder. Borrower responsible for full insurance coverage of unit. Dwelling coverage of xxxxxx is not sufficient for xxxxxx loan as-is. Additional coverage, or replacement cost estimate, required. | 12-23-25 Client uploaded RCE. | 12-24-25 Clayton reviewed RCE and HOI which is sufficient. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of750 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 20%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $18552.02 or 3.53 months of PITIA. 0 months required. |
| 854831 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Housing payment is decreasing 17% from $12,460.14 to $10,337.02.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of705 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 20%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $208145.60 or 20.14 months of PITIA. 6 months required. |
| 855059 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $1,156.63. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 760 is above Credit score 640 |
| 855837 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D | A | A D | A | A D | A | A D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing corrected 1008 matching underwriting approval certificate for DTI front 15.06% and back DTI 47.87%. 1008 in file reflects back DTI of 62.09%. | 12/30/25 Client provided corrected 1008. | 12/30/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 760 is above guideline minimum 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70.26% is below guideline maximum 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 47.87% is below guideline maximum 49.99% |
| 857363 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A D | C | A D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3590 | TRID - At least one LE was delivered on or after the date that a CD was delivered | No | CD: xxxxxx-1, Section: General CD Information, Field: Date Delivered, Value: xxxxxxLE: xxxxxx-1 [Last LE], Section: General LE Information, Field: Date Delivered, Value: xxxxxx | 1.9.2026- Client provided CD with correct year of 2026. Exception satisfied | 1.9.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 Credit score exceeds guidelines of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.27% DTI below guideline requirement of 49.99% Max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $30,021.81 or 4.99 months PITI. No reserves required for loan amount < 1 million. |
| 857363 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A D | C | A D | C | A D | C | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing permanent residence card, only application in file. | 1.13.2026- Client provided asylum card, ss card and drivers license. Exception Satisfied | 1.13.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 Credit score exceeds guidelines of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.27% DTI below guideline requirement of 49.99% Max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $30,021.81 or 4.99 months PITI. No reserves required for loan amount < 1 million. |
| 857365 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 5 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 161 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 50 months on-time payment history. Guide require 12 month review.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 758. Guideline minimum 700. |

---

## Exhibit 99.37

**EXHIBIT 99.37**

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2026-3 |
| **Start - End Dates:** | 7/28/2025 - 1/16/2026 |
| **Deal Loan Count:** | 140 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 849811 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 849811 | (No Data) | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 849811 | (No Data) | Documentation Type | No Doc | DSCR |
| 849811 | (No Data) | Representative Credit Score for Grading | 784 | 806 |
| 850001 | (No Data) | Cash Reserves | 1289015.53 | 35006.67 |
| 850001 | (No Data) | Combined LTV | 61.75 | 65.00 |
| 850001 | (No Data) | Months Reserves | 313.00 | 9.87 |
| 850001 | (No Data) | Total Cash Out | 179942.58 | 0.00 |
| 850586 | (No Data) | Cash Reserves | 320000.00 | 74490.20 |
| 850586 | (No Data) | Months Reserves | 9.00 | 14.34 |
| 850586 | (No Data) | Total Cash Out | 274555.68 | 0.00 |
| 851164 | xxxxxx | Cash Reserves | 1207610.48 | 1508655.23 |
| 851164 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851164 | xxxxxx | Months Reserves | 222.00 | 278.36 |
| 851164 | xxxxxx | Property Type | Low Rise Condo (1-4) | Condotel |
| 851166 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851166 | xxxxxx | Total Cash Out | 38655.40 | 35414.44 |
| 851171 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 851171 | (No Data) | Total Cash Out | 99070.84 | 98948.40 |
| 851172 | (No Data) | Property Type | SFR-Attached | SFR |
| 851173 | xxxxxx | Total Cash Out | 378784.21 | 379149.21 |
| 851175 | (No Data) | Total Cash Out | 36062.81 | 37862.75 |
| 851177 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 851186 | (No Data) | Total Cash Out | 11676.98 | 5260.74 |
| 851188 | xxxxxx | Total Cash Out | 92005.83 | 48643.83 |
| 851189 | xxxxxx | Total Cash Out | 95047.87 | 45318.11 |
| 851190 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851190 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 851193 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 851193 | xxxxxx | Total Cash Out | 207171.81 | 194758.90 |
| 851195 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 851196 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851205 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851206 | (No Data) | Borrower DSCR Percent | 1.1800 | 0.4976 |
| 851207 | (No Data) | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 851207 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 851214 | (No Data) | Total Cash Out | 36038.25 | 36003.73 |
| 851219 | (No Data) | Total Cash Out | 16219.89 | 16002.08 |
| 851221 | (No Data) | Representative Credit Score for Grading | 788 | 779 |
| 851226 | xxxxxx | Cash Reserves | 377318.85 | 516263.82 |
| 851226 | xxxxxx | Months Reserves | 101.00 | 138.31 |
| 851231 | (No Data) | Total Cash Out | 141865.98 | 141777.36 |
| 851233 | (No Data) | Total Cash Out | 37989.15 | 36372.73 |
| 851234 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 851237 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851237 | xxxxxx | Total Cash Out | 154827.26 | 152608.42 |
| 851239 | (No Data) | Total Cash Out | 1386101.38 | 783060.90 |
| 851243 | xxxxxx | Total Cash Out | 1242836.56 | 176194.07 |
| 851244 | xxxxxx | Borrower DSCR Percent | 1.4500 | 1.1679 |
| 851245 | (No Data) | Total Cash Out | 228687.85 | 228646.85 |
| 851246 | (No Data) | Disbursement Date | xxxxxx | xxxxxx |
| 851246 | (No Data) | Total Cash Out | 18043.31 | 12230.38 |
| 851248 | xxxxxx | Cash Reserves | 56978.83 | 40137.39 |
| 851248 | xxxxxx | Months Reserves | 28.00 | 19.82 |
| 851250 | xxxxxx | Cash Reserves | 31748.07 | 16542.87 |
| 851250 | xxxxxx | Months Reserves | 13.00 | 6.94 |
| 851256 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851256 | xxxxxx | Number of Units | 1 | 2 |
| 851256 | xxxxxx | Property Type | SFR | 2 Family |
| 851256 | xxxxxx | Total Cash Out | 141986.92 | 142388.72 |
| 851259 | (No Data) | Total Cash Out | 20912.81 | 20762.81 |
| 851260 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851261 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851261 | xxxxxx | Total Cash Out | 102420.22 | 102047.89 |
| 851264 | xxxxxx | Cash Reserves | 49617.81 | 182939.13 |
| 851264 | xxxxxx | Months Reserves | 24.00 | 91.59 |
| 851273 | xxxxxx | Cash Reserves | 31544.86 | 70744.85 |
| 851273 | xxxxxx | Months Reserves | 7.00 | 16.55 |
| 851276 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 851278 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851278 | xxxxxx | Total Cash Out | 222514.68 | 222426.56 |
| 851281 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851284 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851288 | (No Data) | Cash Reserves | 92106.89 | 78755.23 |
| 851288 | (No Data) | Months Reserves | 29.00 | 27.41 |
| 851290 | (No Data) | Representative Credit Score for Grading | 808 | 812 |
| 851291 | xxxxxx | Total Cash Out | 370839.58 | 371104.71 |
| 851292 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851720 | xxxxxx | Documentation Type | No Doc | DSCR |
| 851720 | xxxxxx | Property State | xxxxxx | xxxxxx |
| 851788 | (No Data) | Cash Reserves | 994925.41 | 1708462.67 |
| 851788 | (No Data) | Months Reserves | 24.00 | 176.06 |
| 851788 | (No Data) | Next Payment Change Date | xxxxxx | xxxxxx |
| 851788 | (No Data) | Original Appraisal Date | 10/11/2025 | 10/02/2025 |
| 851788 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 851788 | (No Data) | Total Cash Out | 762269.08 | 0.00 |
| 851972 | (No Data) | Borrower 1 Total Income | 2222.99 | 0.00 |
| 851972 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 851972 | (No Data) | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 851972 | (No Data) | Cash Reserves | 161845.55 | 63346.82 |
| 851972 | (No Data) | Months Reserves | 8.00 | 22.81 |
| 851972 | (No Data) | Total Cash Out | 140233.55 | 0.00 |
| 851972 | (No Data) | Total Monthly Income | 2222.99 | 0.00 |
| 852532 | xxxxxx | Borrower DSCR Percent | 0.8762 | 1.3687 |
| 852532 | xxxxxx | Credit Report Date | xxxxxx | xxxxxx |
| 852532 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 852532 | xxxxxx | Documentation Type | Asset Depletion | Alt Doc/Bank Statements |
| 852532 | xxxxxx | Total Cash Out | (2484.91) | 2484.91 |
| 852534 | (No Data) | Original Appraisal Date | 10/03/2025 | 10/23/2025 |
| 852535 | (No Data) | Cash Reserves | 199579.41 | 31061.78 |
| 852535 | (No Data) | Months Reserves | 14.00 | 11.72 |
| 852535 | (No Data) | Total Cash Out | 161297.04 | 0.00 |
| 852810 | xxxxxx | Cash Reserves | 404418.37 | 391024.46 |
| 852810 | xxxxxx | Credit Report Date | xxxxxx | xxxxxx |
| 852810 | xxxxxx | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 852810 | xxxxxx | Months Reserves | 186.00 | 173.83 |
| 852810 | xxxxxx | Total Cash Out | 13393.91 | 0.00 |
| 852811 | xxxxxx | Cash Reserves | 475632.47 | 304452.03 |
| 852811 | xxxxxx | Months Reserves | 238.00 | 152.51 |
| 852811 | xxxxxx | Total Cash Out | (311.71) | 0.00 |
| 853279 | xxxxxx | Cash Reserves | 105397.98 | 86391.91 |
| 853279 | xxxxxx | Months Reserves | 68.00 | 27.96 |
| 853279 | xxxxxx | Total Cash Out | 105226.98 | 0.00 |
| 853415 | (No Data) | Cash Reserves | 183393.73 | 70080.94 |
| 853415 | (No Data) | Combined LTV | 72.44 | 75.00 |
| 853415 | (No Data) | Months Reserves | 25.00 | 25.20 |
| 853415 | (No Data) | Total Cash Out | 113312.79 | 0.00 |
| 853789 | xxxxxx | Cash Reserves | 160660.71 | 87.23 |
| 853789 | xxxxxx | Months Reserves | 61.00 | 0.02 |
| 853789 | xxxxxx | Original Appraisal Date | 10/01/2025 | 10/31/2025 |
| 853789 | xxxxxx | Total Cash Out | 160573.48 | 0.00 |
| 853792 | (No Data) | Cash Reserves | 149698.78 | 57811.39 |
| 853792 | (No Data) | Combined LTV | 72.41 | 75.00 |
| 853792 | (No Data) | Months Reserves | 104.00 | 24.91 |
| 853792 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 853792 | (No Data) | Total Cash Out | 91887.39 | 0.00 |
| 853797 | (No Data) | Cash Reserves | 138320.28 | 119584.77 |
| 853797 | (No Data) | Months Reserves | 27.00 | 20.48 |
| 853797 | (No Data) | Total Cash Out | 18735.51 | 0.00 |
| 853798 | (No Data) | Cash Reserves | 149123.26 | 136441.34 |
| 853798 | (No Data) | Months Reserves | 32.00 | 28.49 |
| 853798 | (No Data) | Total Cash Out | (2957.17) | 0.00 |
| 854149 | xxxxxx | Cash Reserves | 113954.97 | 75412.85 |
| 854149 | xxxxxx | Combined LTV | 71.12 | 75.00 |
| 854149 | xxxxxx | Months Reserves | 58.00 | 59.43 |
| 854149 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 854149 | xxxxxx | Representative Credit Score for Grading | 702 | 713 |
| 854149 | xxxxxx | Total Cash Out | 40548.52 | 0.00 |
| 854150 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 854150 | xxxxxx | Total Cash Out | 27997.05 | 0.00 |
| 854154 | (No Data) | Cash Reserves | 240557.89 | 20736.57 |
| 854154 | (No Data) | Months Reserves | 5.00 | 5.12 |
| 854154 | (No Data) | Total Cash Out | 219811.32 | 0.00 |
| 854309 | xxxxxx | Cash Reserves | 306104.84 | 72112.92 |
| 854309 | xxxxxx | Months Reserves | 88.00 | 9.05 |
| 854309 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 854309 | xxxxxx | Property Type | 3 Family | Mixed Use |
| 854309 | xxxxxx | Total Cash Out | 397488.70 | 0.00 |
| 854460 | xxxxxx | Cash Reserves | 153004.05 | 31452.89 |
| 854460 | xxxxxx | Months Reserves | 11.00 | 10.97 |
| 854460 | xxxxxx | Total Cash Out | 121551.16 | 0.00 |
| 854461 | xxxxxx | Cash Reserves | 133113.00 | 59263.39 |
| 854461 | xxxxxx | Months Reserves | 106.00 | 30.49 |
| 854461 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 854461 | xxxxxx | Total Cash Out | 73850.25 | 0.00 |
| 854462 | xxxxxx | Cash Reserves | 65775.15 | 38715.15 |
| 854462 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 854462 | xxxxxx | Months Reserves | 17.00 | 9.84 |
| 854462 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 854464 | (No Data) | Cash Reserves | 47100.00 | 8213.15 |
| 854464 | (No Data) | Combined LTV | 58.19 | 75.00 |
| 854464 | (No Data) | Months Reserves | 85.00 | 8.12 |
| 854464 | (No Data) | Total Cash Out | 38886.85 | 0.00 |
| 854465 | (No Data) | Cash Reserves | 112776.53 | 11533.81 |
| 854465 | (No Data) | Combined LTV | 67.08 | 70.00 |
| 854465 | (No Data) | Months Reserves | 19.00 | 6.95 |
| 854465 | (No Data) | Total Cash Out | 81251.72 | 0.00 |
| 854468 | (No Data) | Cash Reserves | 554224.86 | 300506.58 |
| 854468 | (No Data) | Months Reserves | 41.00 | 41.15 |
| 854468 | (No Data) | Total Cash Out | 255078.18 | 0.00 |
| 854471 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 854471 | (No Data) | Cash Reserves | 102736.85 | 36613.97 |
| 854471 | (No Data) | Months Reserves | 37.00 | 8.05 |
| 854471 | (No Data) | Property Type | SFR | High Rise Condo (9+) |
| 854471 | (No Data) | Total Cash Out | 66275.82 | 0.00 |
| 854472 | (No Data) | Cash Reserves | 635607.33 | 3485.61 |
| 854472 | (No Data) | Months Reserves | 270.00 | 1.34 |
| 854472 | (No Data) | Property Type | Low Rise Condo (1-4) | Condotel |
| 854472 | (No Data) | Total Cash Out | 68768.04 | 0.00 |
| 854473 | xxxxxx | Total Cash Out | 225549.00 | 0.00 |
| 854831 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 855059 | xxxxxx | Debt to Income Ratio (Back) | 331.6600 | 0.0000 |
| 855837 | xxxxxx | Number of Units | 1 | 3 |
| 855837 | xxxxxx | Property Type | SFR | 3 Family |
| 857365 | (No Data) | Cash Reserves | 111495.00 | 11473.55 |
| 857365 | (No Data) | Months Reserves | 75.00 | 4.02 |
| 857365 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 857365 | (No Data) | Total Cash Out | 102925.28 | 0.00 |

---

©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 99.38

**EXHIBIT 99.38**

**CLAYTON NON ATR QM UPLOAD**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-3** |
| **Start - End Dates:** | **7/28/2025 - 1/16/2026** |
| **Deal Loan Count:** | **140** |
| **Non ATR QM Upload** | **Non ATR QM Upload** |
| *Loans in Report:* | *140* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 849811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 8.9663 | No | No | 2.75 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -18935.94 | 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 | No | (No Data) | Yes | 18206.71 | 1.39 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - Short-Term Rental | DSCR - w/lease agreement - Short-Term Rental | DSCR - w/lease agreement - Short-Term Rental | (No Data) | (No Data) | (No Data) | Green Card | (No Data) |
| 850001 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Permanent Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3546.31 | 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 | 3000.00 | No | (No Data) | 0.8459 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) |
| 850586 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5196.39 | 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 | Yes | Yes | 4334.00 | No | (No Data) | 0.8340 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851161 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | 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) | -3329.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | 3450.00 | No | (No Data) | 1.0360 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851163 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2383.09 | 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 | Yes | 2500.00 | No | (No Data) | 1.0490 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851164 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5419.71 | 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 | 6000.00 | No | (No Data) | 1.1070 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851166 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5545.52 | 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 | 4800.00 | No | (No Data) | 0.8655 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851167 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3196.57 | 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 | 3200.00 | No | (No Data) | 1.0010 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1674.93 | 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 | 1750.00 | 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 | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851169 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | 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) | -1771.78 | 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 | 2330.00 | No | (No Data) | 1.3150 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851170 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3110.62 | 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 | Yes | 2400.00 | No | (No Data) | 0.7715 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851171 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -3534.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.4145 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851172 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | 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) | -2350.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.0209 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3637.97 | 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 | 1735.00 | No | (No Data) | 0.4769 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851175 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -1073.9 | 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 | 1700.00 | No | (No Data) | 1.5830 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3821.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9380.00 | No | (No Data) | 2.4544 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851177 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5604.44 | 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 | No | (No Data) | Yes | 1995.00 | 1.0140 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851178 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2058.76 | 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 | 4075.00 | No | (No Data) | 1.9793 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851179 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3683.34 | 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) | 1.0859 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3890.9 | 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 | 4000.00 | No | (No Data) | 1.0280 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851181 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | 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) | -4659.76 | 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 | 2600.00 | No | (No Data) | 0.5579 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851183 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4207.35 | 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 | 2780.00 | No | (No Data) | 0.6607 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851185 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -1139.93 | 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 | 1220.00 | No | (No Data) | 1.0702 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851186 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | -2501.64 | 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 | 3200.00 | No | (No Data) | 1.2791 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851187 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -1446.6 | 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 | 1770.00 | No | (No Data) | 1.2235 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851188 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (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) | -896.29 | 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 | 1200.00 | No | (No Data) | 1.3388 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851189 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (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) | -1523.04 | 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 | Yes | 1200.00 | No | (No Data) | 1.3407 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1395.54 | 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 | 1600.00 | No | (No Data) | 1.1465 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851191 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1250 | 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) | -1561.61 | 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 | 1570.00 | No | (No Data) | 1.0053 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | Other | (No Data) |
| 851193 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4296.34 | 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) | 0.5903 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851194 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9990 | 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) | -2503.47 | 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 | 2000.00 | No | (No Data) | 0.7988 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851195 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5658.26 | 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 | 8300.00 | No | (No Data) | 1.4668 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851196 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1652.85 | 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 | 2400.00 | No | (No Data) | 1.4520 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851197 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (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) | -3455.23 | 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 | 3500.00 | No | (No Data) | 1.0129 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851203 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2277.14 | 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 | 2000.00 | No | (No Data) | 0.8782 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851204 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -1911.48 | 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 | 2725.00 | No | (No Data) | 1.4255 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851205 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | -1188.94 | 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 | 1525.00 | No | (No Data) | 1.2826 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851206 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | -4252.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2400.00 | No | (No Data) | 0.4976 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851207 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | 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) | -2991.96 | 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 | 3000.00 | No | (No Data) | 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/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2116.98 | 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 | 2200.00 | No | (No Data) | 1.0392 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851210 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | -4933.9 | 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 | 5000.00 | No | (No Data) | 1.0133 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851211 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3181.96 | 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 | Yes | 3200.00 | No | (No Data) | 1.0056 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851212 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -4177.57 | 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 | Yes | Yes | 5666.66 | No | (No Data) | 1.3564 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851214 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1264.08 | 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 | 1300.00 | No | (No Data) | 1.0284 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851215 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1651.39 | 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 | 3200.00 | No | (No Data) | 1.9377 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851216 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3679.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.0870 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851217 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1214.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 1.3177 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851218 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1622.13 | 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 | 1650.00 | No | (No Data) | 1.0171 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851219 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 1% of amt prepd | (No Data) | No | Yes | 1 | 7.1251 | No | No | 1 | (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) | -1542.29 | 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 | 2000.00 | No | (No Data) | 1.2967 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851220 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1985.48 | 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 | 2300.00 | No | (No Data) | 1.1584 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851221 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1806.34 | 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 | 2900.00 | No | (No Data) | 1.6054 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851222 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | 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) | -2598.63 | 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 | 2600.00 | No | (No Data) | 1.0005 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851226 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3732.56 | 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 | Yes | Yes | 2960.00 | No | (No Data) | 0.7930 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851227 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1110.56 | 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 | 1400.00 | No | (No Data) | 1.2606 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851229 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1731.1 | 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 | 1900.00 | No | (No Data) | 1.0975 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851230 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -1153.71 | 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) | 1.5168 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851231 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4040.35 | 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 | 4500.00 | No | (No Data) | 1.1100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851233 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 1% of amt prepd | (No Data) | No | Yes | 1 | 7.8751 | No | No | 1 | (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) | -1255.62 | 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 | 2050.00 | No | (No Data) | 1.6326 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | Other | (No Data) |
| 851234 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 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 | 6.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2299.57 | 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 | 2300.00 | No | (No Data) | 1.0001 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851236 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | 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) | -11874.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 19736.00 | No | (No Data) | 1.6620 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851237 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1358.06 | 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 | 1700.00 | No | (No Data) | 1.2517 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851238 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1214.17 | 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 | 1510.00 | No | (No Data) | 1.2436 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851239 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (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) | -9731.67 | 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 | 11600.00 | No | (No Data) | 1.1919 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851240 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9990 | 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) | -1398.35 | 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 | 1695.00 | No | (No Data) | 1.2119 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851241 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1566.42 | 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 | 1775.00 | No | (No Data) | 1.1331 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851243 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -9834.53 | 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 | 9900.00 | No | (No Data) | 1.0066 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851244 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -2260.41 | 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 | Yes | Yes | 2640.00 | 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) |
| 851245 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | -2289.25 | 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 | 3300.00 | No | (No Data) | 1.4415 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851246 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2423.62 | 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 | 2550.00 | No | (No Data) | 1.0521 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851247 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5191.45 | 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 | 5850.00 | No | (No Data) | 1.1268 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851248 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2025 | 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) | 1.0370 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851249 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 1% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2038 | No | No | 5.13 | (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) | -1234.11 | 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 | 1643.00 | No | (No Data) | 1.3313 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) |
| 851250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2384.3 | 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 | 2400.00 | No | (No Data) | 1.0065 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851252 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | 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) | -1960.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0199 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851253 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -1599.57 | 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 | 2100.00 | No | (No Data) | 1.3128 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851254 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -3052.94 | 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 | 3900.00 | No | (No Data) | 1.2774 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2882.11 | 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 | 2500.00 | No | (No Data) | 0.8674 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851256 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3538.37 | 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 | Yes | 4000.00 | No | (No Data) | 1.1304 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851257 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2266.16 | 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 | 2700.00 | No | (No Data) | 1.1914 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851258 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | 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) | -1006.98 | 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 | 1600.00 | No | (No Data) | 1.5889 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851259 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -1128.4 | 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 | 1750.00 | No | (No Data) | 1.5508 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851260 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -1412.36 | 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 | Yes | 1950.00 | No | (No Data) | 1.3806 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851261 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3097.77 | 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 | Yes | 1600.00 | No | (No Data) | 1.5083 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851262 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1844.5 | 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 | Yes | 1815.00 | No | (No Data) | 0.9840 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851264 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1997.39 | 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) | 1.0013 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851265 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1784.08 | 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) | 1.0649 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Work Visa | (No Data) | (No Data) | (No Data) |
| 851268 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2321.93 | 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 | Yes | Yes | 2600.00 | No | (No Data) | 1.1197 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851269 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3222.6 | 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 | 3500.00 | No | (No Data) | 1.0860 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851270 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | 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) | -2271.63 | 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 | 2445.00 | No | (No Data) | 1.0763 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851272 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5117 | No | No | 7.878 | (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) | -12857.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | 20000.00 | No | (No Data) | 1.5553 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851273 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4273.5 | 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 | Yes | 5125.00 | No | (No Data) | 1.1992 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2840.41 | 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 | 3400.00 | No | (No Data) | 1.1970 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851276 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6350.81 | 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) | Yes | 6720.00 | 1.0581 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851277 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1096.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1044.00 | 0.9524 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7499 | 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) | -1798.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | 1.0562 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851280 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1986.57 | No | 0 | (No Data) | No | Not Applicable | (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 | 2000.00 | No | (No Data) | 1.0067 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851281 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 1% of amt prepd | (No Data) | No | Yes | 1 | 7.5001 | No | No | 1 | (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) | -1377.6 | 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 | 1700.00 | No | (No Data) | 1.2340 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | -1996.71 | 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 | 2000.00 | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851283 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | 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) | -1961.03 | 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 | 2000.00 | No | (No Data) | 1.0198 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851284 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3596.49 | 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) | Yes | 3680.00 | 1.0232 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851286 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | 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) | -1666.03 | 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 | 1800.00 | No | (No Data) | 1.0804 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851287 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6249 | 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) | -4214.83 | 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 | 5300.00 | 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) |
| 851288 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | 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) | -2873.43 | 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 | 2900.00 | No | (No Data) | 1.0092 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851290 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (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) | -2422.46 | 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 | 2600.00 | No | (No Data) | 1.0732 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851291 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3749 | 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) | -4579.38 | 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 | 5995.00 | No | (No Data) | 1.3091 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851292 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6301 | No | No | 7.564 | (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) | -4296.88 | 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) | Yes | 4500.00 | 1.0472 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851293 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (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) | -17529.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 20000.00 | No | (No Data) | 1.1913 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851720 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -23699.12 | 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 | Yes | Yes | 5858.33 | No | (No Data) | 1.45 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851788 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | (No Data) | (No Data) | Investor | 5+ Units | 5 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5506 | 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) | -9704.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | 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 | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 9800.00 | No | (No Data) | 1.0099 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 851972 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -2777.01 | 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 | 6694.00 | No | (No Data) | 2.4105 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 852532 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5204.32 | 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 | Yes | Yes | 7123.00 | No | (No Data) | 1.3687 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 852534 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -17723.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | 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 | 22680.00 | No | (No Data) | 1.2797 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 852535 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2650.61 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3411.00 | No | (No Data) | 1.2869 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 852810 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2249.41 | 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 | 1900.00 | No | (No Data) | 0.8447 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 852811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1996.34 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (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) | 1.0018 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 853279 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3090.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4964.00 | No | (No Data) | 1.6065 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 853306 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -156384.43 | 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 | 13500.00 | 1.1306 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 853415 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2781.31 | 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 | 2800.00 | No | (No Data) | 1.0067 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 853789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5236.38 | 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 | 4300.00 | No | (No Data) | 0.8212 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 853792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2320.66 | 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 | Yes | 1750.00 | No | (No Data) | 0.7541 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 853797 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5838.13 | 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 | Yes | Yes | 17660.00 | No | (No Data) | 3.0249 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 853798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4788.65 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6460.00 | No | (No Data) | 1.3490 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854149 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | -1268.85 | 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 | 1300.00 | No | (No Data) | 1.0245 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854150 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3576.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 11020.00 | No | (No Data) | 3.0816 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854154 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4046.5 | 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 | 5450.00 | No | (No Data) | 1.3468 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Mixed Use | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7972.08 | 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 | 9625.00 | No | (No Data) | 1.2073 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2867.45 | 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) | 0.8719 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854461 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 3% of amt prepd | (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) | -1943.83 | 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 | 1950.00 | No | (No Data) | 1.0032 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854462 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | 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) | -3934.4 | 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 | Yes | 3100.00 | No | (No Data) | 0.7879 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 8.0001 | 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) | -1011.6 | 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 | 1500.00 | No | (No Data) | 1.4828 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1658.51 | 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 | 1900.00 | No | (No Data) | 1.1456 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7302.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 10400.00 | No | (No Data) | 1.4241 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4550.77 | 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 | 7240.00 | No | (No Data) | 1.5909 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Permanent Resident Alien | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2610.92 | 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 | Yes | Yes | 5294.00 | No | (No Data) | 2.0276 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) |
| 854473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -5257.99 | 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 | Yes | Yes | 11480.00 | No | (No Data) | 2.1833 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854831 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10337.02 | 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 | 8250.00 | No | (No Data) | 0.7981 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 855059 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4% of Amt Prepd > 20% of OPB if amt prepd in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 3.2 | (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) | -4153.24 | 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 | 1700.00 | No | (No Data) | 1.0246 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 855837 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | 3 Family | 3 | 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 | 6.7664 | No | No | 1.35 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.87 | 47.87 | 47.84 | 47.87 | 47.87 | 47.87 | No | No | (No Data) | 32284.08 | 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) | Yes | Tax Preparer | 22 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 22 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857363 | 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 | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6251 | Yes | Yes | 2.244 | 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 | 30.27 | 30.27 | 30.27 | 30.27 | 30.27 | 30.27 | No | No | (No Data) | 25429.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 22 | 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) | P & L - 22 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 857365 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | -2854.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 0.8757 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.39

**EXHIBIT 99.39**

**CLAYTON RATING AGENCY GRADES REPORT**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-3** |
| **Start - End Dates:** | **7/28/2025 - 1/16/2026** |
| **Deal Loan Count:** | **140** |
| **Rating Agency Grades** | **Rating Agency Grades** |
| ***Loans in Report:*** | *140* |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Morningstar/DBRS Initial Securitization Loan Compliance Grade** | **Morningstar/DBRS Final Securitization Loan Compliance Grade** | **Initial Fitch Loan Compliance Grade** | **Final Fitch Loan Compliance Grade** | **Initial Moodys Loan Compliance Grade** | **Final Moodys Loan Compliance Grade** | **Initial KBRA Loan Compliance Grade** | **Final KBRA Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** |
| 849811 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 850001 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850586 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 851161 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851163 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851164 | No | xxxxxx | xxxxxx D B A | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 851166 | No | xxxxxx | xxxxxx C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| 851167 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851168 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 851169 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 851170 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851171 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851172 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851173 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 851175 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851176 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 851177 | No | xxxxxx | xxxxxx D B A | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 851178 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 851179 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 851180 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 851181 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 851183 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851185 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851186 | No | xxxxxx | xxxxxx D B A | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A |
| 851187 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851188 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851189 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851190 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851191 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 851193 | No | xxxxxx | xxxxxx C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| 851194 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 851195 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851196 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851197 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851203 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851204 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 851205 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 851206 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 851207 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851209 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 851210 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851211 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 851212 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851214 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851215 | No | xxxxxx | xxxxxx D B A | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 851216 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A |
| 851217 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851218 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851219 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851220 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851221 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851222 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851226 | No | xxxxxx | xxxxxx C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| 851227 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851229 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 851230 | No | xxxxxx | xxxxxx C A | A | A C | A | A C | A | A C | A | A C | A | A |
| 851231 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851233 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851234 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851236 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 851237 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851238 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851239 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 851240 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851241 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851243 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851244 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851245 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851246 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851247 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851248 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851249 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 851250 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851252 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851253 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851254 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851255 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851256 | No | xxxxxx | xxxxxx D B A | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 851257 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 851258 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851259 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851260 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851261 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 851262 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 851264 | No | xxxxxx | xxxxxx C A | A | A C | A | A C | A | A C | A | A C | A | A |
| 851265 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851268 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851269 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851270 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851272 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851273 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 851274 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851276 | No | xxxxxx | xxxxxx C A | A | A C | A | A C | A | A C | A | A C | A | A |
| 851277 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851278 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 851280 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851281 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851282 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851283 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851284 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 851286 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851287 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851288 | No | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A |
| 851290 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851291 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 851292 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 851293 | No | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A |
| 851720 | No | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 851788 | No | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A |
| 851972 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 852532 | No | xxxxxx | xxxxxx C A | A | A C | A | A C | A | A C | A | A C | A | A |
| 852534 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 852535 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 852810 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 852811 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 853279 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 853306 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 853415 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 853789 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 853792 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 853797 | No | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A |
| 853798 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854149 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 854150 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 854154 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854309 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 854460 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 854461 | No | xxxxxx | xxxxxx B A | A | A B | A | A B | A | A B | A | A B | A | A |
| 854462 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 854464 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854465 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854468 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854471 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 854472 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854473 | No | xxxxxx | xxxxxx C A | A | A C | A | A C | A | A C | A | A C | A | A |
| 854831 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 855059 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| 855837 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A D | A | A D | A | A D | A | A |
| 857363 | Yes | xxxxxx | xxxxxx D A | C | A D | C | A D | C | A D | C | A D | C | A |
| 857365 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.40

**EXHIBIT 99.40**

**CLAYTON VALUATIONS SUMMARY**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2026-3 |
| **Start - End Dates:** | 7/28/2025 - 1/16/2026 |
| **Deal Loan Count:** | 140 |
| **Valuations Summary** | **Valuations Summary** |
| *Loans in Report:* | *140* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Infomation** |
| **Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **Confidence Score** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 849811 | xxxxxx | $0.00 | xxxxxx | 09/07/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/18/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 850001 | xxxxxx | xxxxxx | xxxxxx | 09/18/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/03/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 850586 | xxxxxx | xxxxxx | xxxxxx | 09/13/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 851161 | xxxxxx | $0.00 | xxxxxx | 04/27/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 851163 | xxxxxx | $0.00 | xxxxxx | 07/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851164 | xxxxxx | xxxxxx | xxxxxx | 06/26/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 851166 | xxxxxx | $0.00 | xxxxxx | 07/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/24/2025 | xxxxxx | xxxxxx | -2.88% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 851167 | xxxxxx | $0.00 | xxxxxx | 08/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851168 | xxxxxx | $0.00 | xxxxxx | 08/27/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851169 | xxxxxx | $0.00 | xxxxxx | 06/03/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/03/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851170 | xxxxxx | $0.00 | xxxxxx | 08/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/11/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 851171 | xxxxxx | $0.00 | xxxxxx | 09/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 851172 | xxxxxx | $0.00 | xxxxxx | 09/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851173 | xxxxxx | $0.00 | xxxxxx | 09/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851175 | xxxxxx | $0.00 | xxxxxx | 07/29/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 851176 | xxxxxx | xxxxxx | xxxxxx | 09/06/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/17/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851177 | xxxxxx | $0.00 | xxxxxx | 08/31/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851178 | xxxxxx | $0.00 | xxxxxx | 09/02/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/17/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851179 | xxxxxx | xxxxxx | xxxxxx | 08/01/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851180 | xxxxxx | $0.00 | xxxxxx | 09/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/12/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 851181 | xxxxxx | xxxxxx | xxxxxx | 09/09/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 851183 | xxxxxx | $0.00 | xxxxxx | 09/09/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 851185 | xxxxxx | $0.00 | xxxxxx | 09/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 851186 | xxxxxx | $0.00 | xxxxxx | 09/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 851187 | xxxxxx | $0.00 | xxxxxx | 09/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/16/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 851188 | xxxxxx | $0.00 | xxxxxx | 09/02/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/22/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851189 | xxxxxx | $0.00 | xxxxxx | 09/02/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851190 | xxxxxx | xxxxxx | xxxxxx | 09/02/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851191 | xxxxxx | $0.00 | xxxxxx | 08/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 851193 | xxxxxx | $0.00 | xxxxxx | 09/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/11/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.9 |
| 851194 | xxxxxx | $0.00 | xxxxxx | 09/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851195 | xxxxxx | xxxxxx | xxxxxx | 09/15/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/23/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851196 | xxxxxx | $0.00 | xxxxxx | 09/16/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851197 | xxxxxx | $0.00 | xxxxxx | 09/14/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/22/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 851203 | xxxxxx | $0.00 | xxxxxx | 09/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 851204 | xxxxxx | $0.00 | xxxxxx | 09/09/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/25/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 851205 | xxxxxx | $0.00 | xxxxxx | 09/10/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/23/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 851206 | xxxxxx | xxxxxx | xxxxxx | 09/11/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 851207 | xxxxxx | $0.00 | xxxxxx | 09/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 851209 | xxxxxx | xxxxxx | xxxxxx | 09/05/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851210 | xxxxxx | $0.00 | xxxxxx | 09/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851211 | xxxxxx | $0.00 | xxxxxx | 09/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851212 | xxxxxx | xxxxxx | xxxxxx | 09/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 851214 | xxxxxx | $0.00 | xxxxxx | 09/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 851215 | xxxxxx | xxxxxx | xxxxxx | 09/20/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 851216 | xxxxxx | xxxxxx | xxxxxx | 09/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851217 | xxxxxx | xxxxxx | xxxxxx | 09/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851218 | xxxxxx | xxxxxx | xxxxxx | 09/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/26/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 851219 | xxxxxx | $0.00 | xxxxxx | 09/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851220 | xxxxxx | xxxxxx | xxxxxx | 09/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 851221 | xxxxxx | xxxxxx | xxxxxx | 09/16/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851222 | xxxxxx | $0.00 | xxxxxx | 09/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/26/2025 | xxxxxx | xxxxxx | -9.33% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 851226 | xxxxxx | xxxxxx | xxxxxx | 08/29/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/25/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 851227 | xxxxxx | $0.00 | xxxxxx | 09/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/25/2025 | xxxxxx | xxxxxx | -9.09% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 851229 | xxxxxx | $0.00 | xxxxxx | 09/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/26/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 851230 | xxxxxx | xxxxxx | xxxxxx | 09/11/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 851231 | xxxxxx | $0.00 | xxxxxx | 09/19/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851233 | xxxxxx | $0.00 | xxxxxx | 06/12/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/12/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851234 | xxxxxx | $0.00 | xxxxxx | 09/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/21/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851236 | xxxxxx | $0.00 | xxxxxx | 09/04/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 851237 | xxxxxx | $0.00 | xxxxxx | 06/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/11/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 851238 | xxxxxx | xxxxxx | xxxxxx | 09/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851239 | xxxxxx | $0.00 | xxxxxx | 08/27/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/14/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851240 | xxxxxx | $0.00 | xxxxxx | 09/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 851241 | xxxxxx | $0.00 | xxxxxx | 09/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 851243 | xxxxxx | $0.00 | xxxxxx | 09/11/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/21/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851244 | xxxxxx | xxxxxx | xxxxxx | 09/18/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/26/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851245 | xxxxxx | $0.00 | xxxxxx | 08/29/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851246 | xxxxxx | $0.00 | xxxxxx | 09/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 851247 | xxxxxx | $0.00 | xxxxxx | 09/24/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851248 | xxxxxx | xxxxxx | xxxxxx | 08/27/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851249 | xxxxxx | $0.00 | xxxxxx | 07/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 851250 | xxxxxx | xxxxxx | xxxxxx | 09/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/06/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 851252 | xxxxxx | xxxxxx | xxxxxx | 09/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851253 | xxxxxx | $0.00 | xxxxxx | 09/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851254 | xxxxxx | $0.00 | xxxxxx | 09/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/06/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 851255 | xxxxxx | xxxxxx | xxxxxx | 09/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/25/2025 | xxxxxx | xxxxxx | -1.15% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 851256 | xxxxxx | $0.00 | xxxxxx | 09/09/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/21/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851257 | xxxxxx | $0.00 | xxxxxx | 09/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 851258 | xxxxxx | $0.00 | xxxxxx | 08/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/26/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 851259 | xxxxxx | $0.00 | xxxxxx | 09/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/23/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 851260 | xxxxxx | $0.00 | xxxxxx | 09/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/04/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 851261 | xxxxxx | $0.00 | xxxxxx | 09/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851262 | xxxxxx | xxxxxx | xxxxxx | 09/26/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 851264 | xxxxxx | xxxxxx | xxxxxx | 09/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851265 | xxxxxx | xxxxxx | xxxxxx | 09/27/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851268 | xxxxxx | $0.00 | xxxxxx | 09/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851269 | xxxxxx | xxxxxx | xxxxxx | 09/09/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 851270 | xxxxxx | $0.00 | xxxxxx | 10/02/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851272 | xxxxxx | xxxxxx | xxxxxx | 09/19/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 851273 | xxxxxx | xxxxxx | xxxxxx | 09/10/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/03/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851274 | xxxxxx | xxxxxx | xxxxxx | 10/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851276 | xxxxxx | xxxxxx | xxxxxx | 06/11/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 07/30/2025 | xxxxxx | xxxxxx | 6.12% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851277 | xxxxxx | $0.00 | xxxxxx | 07/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 851278 | xxxxxx | $0.00 | xxxxxx | 09/22/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 851280 | xxxxxx | $0.00 | xxxxxx | 09/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/23/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 851281 | xxxxxx | $0.00 | xxxxxx | 08/27/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 851282 | xxxxxx | $0.00 | xxxxxx | 09/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/08/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 851283 | xxxxxx | $0.00 | xxxxxx | 09/08/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/23/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 851284 | xxxxxx | $0.00 | xxxxxx | 08/08/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/12/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851286 | xxxxxx | xxxxxx | xxxxxx | 09/11/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/23/2025 | xxxxxx | xxxxxx | -9.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 851287 | xxxxxx | xxxxxx | xxxxxx | 09/20/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/25/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851288 | xxxxxx | $0.00 | xxxxxx | 08/21/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 851290 | xxxxxx | xxxxxx | xxxxxx | 09/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/06/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851291 | xxxxxx | $0.00 | xxxxxx | 09/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 851292 | xxxxxx | $0.00 | xxxxxx | 06/30/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851293 | xxxxxx | xxxxxx | xxxxxx | 09/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  | 09/12/2025 | xxxxxx | xxxxxx | -1.43% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 851720 | xxxxxx | $0.00 | xxxxxx | 07/02/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/22/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851788 | xxxxxx | xxxxxx | xxxxxx | 10/02/2025 | xxxxxx | Other |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 11/03/2025 | xxxxxx | xxxxxx | 1.09% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851972 | xxxxxx | xxxxxx | xxxxxx | 10/09/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 852532 | xxxxxx | $0.00 | xxxxxx | 10/09/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 852534 | xxxxxx | $0.00 | xxxxxx | 10/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  | 10/03/2025 | xxxxxx | xxxxxx | 6.08% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 852535 | xxxxxx | xxxxxx | xxxxxx | 10/16/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 852810 | xxxxxx | $0.00 | xxxxxx | 10/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 852811 | xxxxxx | xxxxxx | xxxxxx | 10/23/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 853279 | xxxxxx | xxxxxx | xxxxxx | 09/09/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/27/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 853306 | xxxxxx | $0.00 | xxxxxx | 08/22/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 853415 | xxxxxx | xxxxxx | xxxxxx | 10/29/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 853789 | xxxxxx | xxxxxx | xxxxxx | 10/31/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 853792 | xxxxxx | xxxxxx | xxxxxx | 11/06/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 853797 | xxxxxx | xxxxxx | xxxxxx | 10/21/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/05/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 853798 | xxxxxx | xxxxxx | xxxxxx | 11/04/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/13/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 854149 | xxxxxx | xxxxxx | xxxxxx | 11/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 11/10/2025 | xxxxxx | xxxxxx | -5.19% | xxxxxx | 94 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 854150 | xxxxxx | xxxxxx | xxxxxx | 10/23/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/02/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 854154 | xxxxxx | xxxxxx | xxxxxx | 10/16/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/05/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 854309 | xxxxxx | xxxxxx | xxxxxx | 10/07/2025 | xxxxxx | Other |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 10/24/2025 | xxxxxx | xxxxxx | 5.76% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 854460 | xxxxxx | xxxxxx | xxxxxx | 11/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 854461 | xxxxxx | xxxxxx | xxxxxx | 11/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/08/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 854462 | xxxxxx | xxxxxx | xxxxxx | 11/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 854464 | xxxxxx | xxxxxx | xxxxxx | 10/31/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/10/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 854465 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 11/14/2025 | xxxxxx | xxxxxx | -4.54% | xxxxxx | 96 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 854468 | xxxxxx | xxxxxx | xxxxxx | 10/29/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 854471 | xxxxxx | xxxxxx | xxxxxx | 10/27/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 854472 | xxxxxx | xxxxxx | xxxxxx | 11/07/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 11/18/2025 | xxxxxx | xxxxxx | 5.81% | xxxxxx | 96 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 854473 | xxxxxx | xxxxxx | xxxxxx | 11/05/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/14/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 854831 | xxxxxx | $0.00 | xxxxxx | 10/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/21/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 855059 | xxxxxx | xxxxxx | xxxxxx | 11/20/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 855837 | xxxxxx | $0.00 | xxxxxx | 11/16/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/09/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 857363 | xxxxxx | $0.00 | xxxxxx | 09/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/13/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 857365 | xxxxxx | xxxxxx | xxxxxx | 12/18/2025 | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.9 |

---

©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.