# EDGAR Filing Document

**Accession Number:** 0002108029
**File Stem:** 0001213900-26-013198
**Filing Date:** 2026-2
**Character Count:** 2106485
**Document Hash:** 87dcd1a916a6b5a4afda383d9986d522
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-013198.hdr.sgml**: 20260206

**ACCESSION NUMBER**: 0001213900-26-013198

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

**PUBLIC DOCUMENT COUNT**: 71

**CONFORMED PERIOD OF REPORT**: 20260206

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

**FILED AS OF DATE**: 20260206

**DATE AS OF CHANGE**: 20260206

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM3 LLC
- **CENTRAL INDEX KEY:** 0002108029

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08270
- **FILM NUMBER:** 26607035

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM3 LLC
- **CENTRAL INDEX KEY:** 0002108029

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM3 LLC
- **CENTRAL INDEX KEY:** 0002108029

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003

OMB Number: 3235-0675

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

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> 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 filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of sponsor: <u>0002108029</u> 

NEW RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM3

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

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

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

Philip Sivin, 212-798-6100

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

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

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

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

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | NEW RESIDENTIAL FUNDING 2026-NQM3 LLC | NEW RESIDENTIAL FUNDING 2026-NQM3 LLC |
| Date: February 6, 2026 | By: | /s/ Nicola Santoro, Jr. |
|  | Name: | Nicola Santoro, Jr. |
|  | Title: | Chief Financial Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - Infinity Executive Summary](ea027594701_ex99-1.htm)

[Schedule 1 – Valuation Report](ea027594701_ex99-1sch1.htm)

[Schedule 2 – Rating Agency Grades Report](ea027594701_ex99-1sch2.htm)

[Schedule 3 – Data Compare](ea027594701_ex99-1sch3.htm)

[Schedule 4 – Loan Level Exception Report](ea027594701_ex99-1sch4.htm)

[Schedule 5 – Individual Exception Report](ea027594701_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report - Clarifii Executive Summary](ea027594701_ex99-2.htm)

[Schedule 1 – Valuation Report](ea027594701_ex99-2sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea027594701_ex99-2sch2.htm)

[Schedule 3 – Rating Agency Grades Detail](ea027594701_ex99-2sch3.htm)

[Schedule 4 – ATR QM Report](ea027594701_ex99-2sch4.htm)

[Schedule 5 – Data Compare](ea027594701_ex99-2sch5.htm)

[Schedule 6 – Business Purpose Supplemental Extract](ea027594701_ex99-2sch6.htm)

[99.3 - Third Party Due Diligence Report – Consolidated Analytics Executive Summary](ea027594701_ex99-3.htm)

[Schedule 1 – Rating Agency Grades Report](ea027594701_ex99-3sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea027594701_ex99-3sch2.htm)

[Schedule 3 – Valuations Report](ea027594701_ex99-3sch3.htm)

[Schedule 4 – Data Compare](ea027594701_ex99-3sch4.htm)

[99.4 - Third Party Due Diligence Report - Opus Executive Summary](ea027594701_ex99-4.htm)

[Schedule 1 – Valuation Report](ea027594701_ex99-4sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea027594701_ex99-4sch2.htm)

[Schedule 3 – Business Purpose Supplemental Extract](ea027594701_ex99-4sch3.htm)

[Schedule 4 – Standard Findings Report](ea027594701_ex99-4sch4.htm)

[Schedule 5 – Data Compare](ea027594701_ex99-4sch5.htm)

[Schedule 6 – ATR QM Report](ea027594701_ex99-4sch6.htm)

[99.5 - Third Party Due Diligence Report – Clayton Executive Summary](ea027594701_ex99-5.htm)

[Schedule 1 – Valuations Summary](ea027594701_ex99-5sch1.htm)

[Schedule 2 – Non ATR QM Report](ea027594701_ex99-5sch2.htm)

[Schedule 3 – Conditions Detail](ea027594701_ex99-5sch3.htm)

[Schedule 4 – Rating Agency ATR QM Report](ea027594701_ex99-5sch4.htm)

[Schedule 5 – Loan Level Tape Compare](ea027594701_ex99-5sch5.htm)

[Schedule 6 – Loan Grades](ea027594701_ex99-5sch6.htm)

[99.6 - Third Party Due Diligence Report – AMC Executive Summary](ea027594701_ex99-6.htm)

[Schedule 1 – Valuation Summary](ea027594701_ex99-6sch1.htm)

[Schedule 2 – Business Purpose Report](ea027594701_ex99-6sch2.htm)

[Schedule 3 – Rating Agency Grades](ea027594701_ex99-6sch3.htm)

[Schedule 4 – Data Compare](ea027594701_ex99-6sch4.htm)

[Schedule 5 – Exception Grades](ea027594701_ex99-6sch5.htm)

[99.7 - Third Party Due Diligence Report – Evolve Executive Summary](ea027594701_ex99-7.htm)

[Schedule 1 – Valuation Report](ea027594701_ex99-7sch1.htm)

[Schedule 2 – Business Purpose Report](ea027594701_ex99-7sch2.htm)

[Schedule 3 – Exception Detail](ea027594701_ex99-7sch3.htm)

[Schedule 4 – QM ATR Data](ea027594701_ex99-7sch4.htm)

[Schedule 5 – Data Compare](ea027594701_ex99-7sch5.htm)

[Schedule 6 – RA Grades](ea027594701_ex99-7sch6.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_002.jpg)

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

NRMLT 2026-NQM3

**February 2, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

0 \| P a g e

![](ex99-1_002.jpg)

**TABLE OF CONTENTS**

---

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

---

1 \| P a g e

![](ex99-1_002.jpg)

**INFINITY BIOGRAPHY**

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

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

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

2 \| P a g e

![](ex99-1_002.jpg)

**DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

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

The Review population is comprised of three hundred and six (306) mortgage loans that were originally reviewed from July 2025 to December 2025.

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

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

▪ "Compliance Review" 160<sup>1</sup> Mortgage Loans

▪ "Credit Review" 306 Mortgage Loans

▪ "Property Review" 306 Mortgage Loans

▪ "Data Integrity" 306 Mortgage Loans

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

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

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

For three hundred and six (306) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

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

---

<sup>1</sup> One hundred and forty-six (146) exempt loans were not subject to a compliance review and did not receive a compliance grade.

3 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex99-1_002.jpg)

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

Infinity conducted a credit review for three hundred and six (306) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 22 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

**Credit Report:** Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

4 \| P a g e

![](ex99-1_002.jpg)

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

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

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

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

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

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

5 \| P a g e

![](ex99-1_002.jpg)

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for one hundred and nine (109) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for three hundred and six (306) mortgage loans. For these three hundred and six (306) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

6 \| P a g e

![](ex99-1_002.jpg)

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

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

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

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

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

Infinity completed a Compliance Review on one hundred and sixty (160) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

7 \| P a g e

![](ex99-1_002.jpg)

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

&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;

8 \| P a g e

![](ex99-1_002.jpg)

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

9 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex99-1_002.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

10 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex99-1_002.jpg)

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs
provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

11 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex99-1_002.jpg)

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

12 \| P a g e

![](ex99-1_002.jpg)

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

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

 

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

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

 

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

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

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

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

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

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

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

**(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;**

13 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex99-1_002.jpg)

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

&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;

14 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex99-1_002.jpg)

&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.

15 \| P a g e

![](ex99-1_002.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Kroll Bond Rating Agency, LLC ("KBRA") and Fitch Ratings, Inc. ("Fitch").

**OVERALL RESULTS SUMMARY (306 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers three hundred and six (306) mortgage loans. Within those mortgage loans, Infinity graded two hundred and eighty-two (282) mortgage loans as "A" and twenty-four (24) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;160 | &nbsp;&nbsp;282 | &nbsp;&nbsp;306 | &nbsp;&nbsp;282 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;92.16% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;92.16% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7.84% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7.84% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;160 | &nbsp;&nbsp;282 | &nbsp;&nbsp;306 | &nbsp;&nbsp;282 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;92.16% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;92.16% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7.84% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7.84% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

16 \| P a g e

![](ex99-1_002.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (306 MORTGAGE LOANS)**

Of the three hundred and six (306) mortgage loans reviewed, 30 (9.80%) mortgage loans had tape discrepancies across five (5) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;306 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;306 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;306 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;1 | &nbsp;&nbsp;306 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Residual Income | &nbsp;&nbsp;22 | &nbsp;&nbsp;306 | &nbsp;&nbsp;7.19% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (306 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;306 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$164817956.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$164817956.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;306 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$164817956.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$164817956.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown | &nbsp;&nbsp;62 | &nbsp;&nbsp;20.26% | &nbsp;&nbsp;$28823230.00 | &nbsp;&nbsp;17.49% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;28 | &nbsp;&nbsp;9.15% | &nbsp;&nbsp;$12230418.00 | &nbsp;&nbsp;7.42% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;160 | &nbsp;&nbsp;52.29% | &nbsp;&nbsp;$84930948.00 | &nbsp;&nbsp;51.53% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;56 | &nbsp;&nbsp;18.30% | &nbsp;&nbsp;$38833360.00 | &nbsp;&nbsp;23.56% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$164817956.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;19 | &nbsp;&nbsp;6.21% | &nbsp;&nbsp;$11435007.00 | &nbsp;&nbsp;6.94% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;287 | &nbsp;&nbsp;93.79% | &nbsp;&nbsp;$153382949.00 | &nbsp;&nbsp;93.06% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$164817956.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

![](ex99-1_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;135 | &nbsp;&nbsp;44.12% | &nbsp;&nbsp;$86030354.00 | &nbsp;&nbsp;52.20% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.17% | &nbsp;&nbsp;$18879150.00 | &nbsp;&nbsp;11.45% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;146 | &nbsp;&nbsp;47.71% | &nbsp;&nbsp;$59908452.00 | &nbsp;&nbsp;36.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$164817956.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Correspondent SmartEdge Product Profile 7-24-25.pdf |
| &nbsp;&nbsp;Correspondent SmartSelf Product Profile 7-24-25.pdf |
| &nbsp;&nbsp;Correspondent SmartVest Product Profile 7-30-25.pdf |
| &nbsp;&nbsp;Newrez SmartEdge Product Summary 7-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartSelf Bank Statement, 1099 and P&L Product Summary 7-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartVest Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartVest Product Summary 7-30-25.pdf |
| &nbsp;&nbsp;RTL DTC JV WHL SmartVest Platinum Summary (9.25.2025 v25.11).docx |
| &nbsp;&nbsp;RTL DTC JV WHL SmartVest Product Summary (9.25.2025 v25.12).docx |
| &nbsp;&nbsp;RTL JV DTC WHL SmartEdge Product Summary (9.25.2025 v25.8).docx |
| &nbsp;&nbsp;SmartEdge 2-9-24.pdf |
| &nbsp;&nbsp;SmartEdge Product Profile Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary Correspondent 4-24-25.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary Newrez 9-25-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Profile 12-20-24.pdf |
| &nbsp;&nbsp;SmartSelf Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary - Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartVest Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 9-5-25 - Newrez.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 8-28-25.pdf |

---

18 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| Dummy ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| 1 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.9 |
| 3 | XX | XX |  | 06/XX/2025 | XX | Not Applicable | XX | XX | 05/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 4 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| 10 | XX | XX |  | 09/XX/2025 | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 4.7 |
| 11 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 12 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | 1.235% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | 1.235% | XX | 10/XX/2025 | Yes | 2 | 1 |
| 21 | XX | XX |  | 08/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 22 | XX | XX |  | 09/XX/2025 | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.8 |
| 24 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 26 | XX | XX |  | 09/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.1 |
| 29 | XX | XX |  | 09/XX/2025 | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.3 |
| 30 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 32 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 36 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 38 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1.1 |
| 42 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 47 | XX | XX |  | 09/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.7 |
| 52 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.2 |
| 58 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -4.580% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 60 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.7 |
| 63 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 66 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 01/XX/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 68 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 71 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.8 |
| 72 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 75 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 5.263% | XX | 10/XX/2025 | No | 4 | 1.7 |
| 76 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.7 |
| 77 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 80 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 81 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.7 |
| 87 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 90 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.9 |
| 95 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.9 |
| 96 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 99 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 100 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 107 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.7 |
| 111 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 112 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.2 |
| 115 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 118 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 119 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 121 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 125 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 128 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -9.231% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 143 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 5 |
| 145 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.1 |
| 151 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 152 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 5 |
| 154 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -4.425% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.5 |
| 155 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.8 |
| 159 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.5 |
| 161 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 4.6 |
| 162 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.6 |
| 163 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.6 |
| 164 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 166 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 168 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.2 |
| 175 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 177 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.4 |
| 180 | XX | XX |  | 12/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 181 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 183 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | 6.383% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | 6.383% | XX | 10/XX/2025 | No | Not Applicable | 1 |
| 184 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 12.003% | XX | 10/XX/2025 | No | 5 | 4.2 |
| 187 | XX | XX |  | 12/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 193 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -3.458% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 194 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 196 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 197 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.4 |
| 198 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 200 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 201 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 202 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 207 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 209 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.9 | Not Applicable |
| 210 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.3 |
| 211 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 214 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.796% | XX | 11/XX/2025 | No | 5 | 1.3 |
| 217 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 219 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -8.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 222 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.5 |
| 223 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 225 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.5 |
| 227 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 228 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.8 |
| 231 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.2 |
| 233 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 | No | Unavailable | 1.1 |
| 235 | XX | XX |  | 12/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 241 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 252 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1 |
| 256 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.4 |
| 260 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2 |
| 261 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 262 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 9.123% | XX | 10/XX/2025 | No | Unavailable | 2.6 |
| 267 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 268 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2 |
| 270 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.6 |
| 274 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 277 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 281 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.1 |
| 283 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
| 284 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 285 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 12/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2 |
| 286 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 289 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 293 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 294 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 295 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 298 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.8 |
| 303 | XX | XX |  | 12/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 12/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 305 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -8.364% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.3 |
| 309 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 310 | XX | XX |  | 12/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 311 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 313 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.2 |
| 315 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 320 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 322 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.4 |
| 323 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 328 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.7 |
| 334 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
| 335 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 337 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.5 |
| 338 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.4 |
| 340 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.4 |
| 342 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 345 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.6 |
| 347 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 352 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.5 |
| 355 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 357 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| 358 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 361 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 362 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 365 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.4 |
| 366 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2 |
| 368 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 371 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 3.2 |
| 377 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 380 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 381 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 382 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 383 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | Not Applicable |
| 384 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 386 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.6 |
| 387 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 389 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.5 |
| 390 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -5.689% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 391 | XX | XX |  | 12/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.6 |
| 393 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.8 |
| 394 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -3.390% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 397 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.1 |
| 402 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.5 |
| 406 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2 |
| 407 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 | No | 3 | 2.8 |
| 411 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.9 |
| 412 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 416 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 421 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 3.1 |
| 424 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.8 |
| 427 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -5.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.4 |
| 436 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.7 |
| 438 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 448 | XX | XX |  | 12/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.6 |
| 451 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 458 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 4.6 |
| 462 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.8 |
| 464 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.6 |
| 465 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 466 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.1 |
| 473 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 475 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 476 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.1 |
| 482 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 12/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 483 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 484 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.1 |
| 486 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.9 |
| 489 | XX | XX |  | 12/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 4.4 |
| 490 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| 494 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.5 |
| 495 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 497 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 500 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.333% | XX | 11/XX/2025 | Yes | 2.5 | 1 |
| 502 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 508 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| 512 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 514 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.5 |
| 518 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 519 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| 524 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 527 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 528 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 534 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.8 |
| 536 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 538 | XX | XX |  | 06/XX/2025 | XX | XX | XX | XX | 05/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 05/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1.5 |
| 540 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.7 |
| 545 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 5.287% | XX | 10/XX/2025 | Yes | 2.5 | 2.6 |
| 546 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| 548 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 549 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 3.4 |
| 550 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | -5.660% | XX | 09/XX/2025 | Yes | 2 | 1.1 |
| 552 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 553 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 557 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 559 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.8 |
| 560 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -0.236% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 562 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 566 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4.2 |
| 568 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.9 |
| 569 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1 |
| 571 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 573 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.5 |
| 574 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 577 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 582 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.7 |
| 586 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 587 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 588 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -3.846% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 590 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 591 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 594 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 599 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -9.399% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.1 |
| 604 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 1.056% | XX | 10/XX/2025 | No | 3.5 | 1 |
| 605 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 5 |
| 608 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 609 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 250 | XX | XX | XXXX | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 612 | XX | XX |  | 12/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 614 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 615 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 617 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -6.143% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 5 |
| 618 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 621 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 627 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 630 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 632 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 637 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 5 |
| 639 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 642 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.9 |
| 649 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4.5 |
| 650 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 653 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 656 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| 661 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.8 |
| 662 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -2.326% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | -2.326% | XX | 10/XX/2025 | No | 3 | 2.6 |
| 665 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | Not Applicable |
| 667 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 670 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.579% | XX | 10/XX/2025 | No | 3.5 | 2.3 |
| 671 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.4 |
| 672 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 674 | XX | XX |  | 12/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.3 |
| 675 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 677 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.242% | XX | 10/XX/2025 | Yes | 1 | 2.8 |
| 678 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 681 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 682 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.5 |
| 685 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 5 |
| 688 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 690 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 691 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2 |
| 696 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 697 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 698 | XX | XX |  | 12/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 700 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.1 |
| 702 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.3 |
| 703 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 704 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 707 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 710 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 714 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 716 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 719 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.2 |
| 720 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | Not Applicable |
| 722 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1 |
| 724 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 731 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.6 |
| 732 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.9 |
| 734 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.4 |
| 735 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 2.431% | XX | 11/XX/2025 | No | 4 | 3 |
| 736 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 | No | 4 | 5 |
| 737 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.1 |
| 738 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 4.061% | XX | 10/XX/2025 | Yes | 1.5 | 1 |
| 739 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 744 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 745 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 748 | XX | XX |  | 12/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 752 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
| 756 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.4 |
| 761 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 764 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -4.795% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | 10.685% | XX | 10/XX/2025 | No | 4.5 | 1.5 |
| 765 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.2 |
| 766 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 771 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -2.345% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 774 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 775 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.1 |
| 776 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 779 | XX | XX |  | 10/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 780 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 783 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 784 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.6 |
| 785 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.3 |
| 786 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.3 |
| 790 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 791 | XX | XX |  | 11/XX/2025 | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 792 | XX | XX |  | 11/XX/2025 | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 795 | XX | XX |  | 10/XX/2025 | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -3.475% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.2 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| 256 | XX | XX |  | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 599 | XX | XX |  | XX | Florida | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 685 | XX | XX |  | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 235 | XX | XX |  | XX | Washington | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 194 | XX | XX |  | XX | Tennessee | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 119 | XX | XX |  | XX | Connecticut | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 166 | XX | XX |  | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 704 | XX | XX |  | XX | Oregon | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 557 | XX | XX |  | XX | New York | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 262 | XX | XX |  | XX | Hawaii | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 277 | XX | XX |  | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 72 | XX | XX |  | XX | New Mexico | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 311 | XX | XX |  | XX | Florida | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 484 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 382 | XX | XX |  | XX | Utah | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 145 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 222 | XX | XX |  | XX | Florida | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 495 | XX | XX |  | XX | Virginia | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 368 | XX | XX |  | XX | Connecticut | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 177 | XX | XX |  | XX | North Carolina | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 285 | XX | XX |  | XX | Arizona | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 502 | XX | XX |  | XX | Montana | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 590 | XX | XX |  | XX | New York | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 36 | XX | XX |  | XX | New York | XX | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 152 | XX | XX |  | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 451 | XX | XX |  | XX | Ohio | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 780 | XX | XX |  | XX | Oregon | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 180 | XX | XX |  | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 732 | XX | XX |  | XX | New Jersey | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 548 | XX | XX |  | XX | Illinois | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 380 | XX | XX |  | XX | Pennsylvania | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 621 | XX | XX |  | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 4 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 315 | XX | XX |  | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 795 | XX | XX |  | XX | Massachusetts | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 58 | XX | XX |  | XX | Pennsylvania | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 219 | XX | XX |  | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 512 | XX | XX |  | XX | Oregon | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 690 | XX | XX |  | XX | New Jersey | XX | Primary | Cash Out B | A D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A |
| 559 | XX | XX |  | XX | Illinois | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 402 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 785 | XX | XX |  | XX | New Jersey | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 383 | XX | XX |  | XX | New Jersey | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 118 | XX | XX |  | XX | Arkansas | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 26 | XX | XX |  | XX | New York | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 538 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 667 | XX | XX |  | XX | Texas | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 143 | XX | XX |  | XX | Tennessee | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 734 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 688 | XX | XX |  | XX | Tennessee | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 608 | XX | XX |  | XX | California | XX | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 438 | XX | XX |  | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 661 | XX | XX |  | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 66 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 181 | XX | XX |  | XX | New Hampshire | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 528 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A C | C | A D C | C | A D C | C | A D C | C | A D C | C | A D |
| 738 | XX | XX |  | XX | Florida | XX | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 10 | XX | XX |  | XX | Missouri | XX | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 427 | XX | XX |  | XX | New York | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 52 | XX | XX |  | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 464 | XX | XX |  | XX | Georgia | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 466 | XX | XX |  | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 681 | XX | XX |  | XX | Georgia | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 739 | XX | XX |  | XX | Michigan | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 283 | XX | XX |  | XX | Utah | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 614 | XX | XX |  | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 128 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90 | XX | XX |  | XX | North Carolina | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 549 | XX | XX |  | XX | Arizona | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 675 | XX | XX |  | XX | New Jersey | XX | Primary | Purchase A | A C D | C | A D C | C | A D C | C | A D C | C | A D C | C | A D |
| 540 | XX | XX |  | XX | New Jersey | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 1 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 765 | XX | XX |  | XX | Hawaii | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 534 | XX | XX |  | XX | Utah | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 735 | XX | XX |  | XX | California | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 714 | XX | XX |  | XX | Texas | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 107 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 617 | XX | XX |  | XX | Washington | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 775 | XX | XX |  | XX | Colorado | XX | Primary | Refinance B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 662 | XX | XX |  | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 233 | XX | XX |  | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 722 | XX | XX |  | XX | Florida | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 737 | XX | XX |  | XX | Texas | XX | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 154 | XX | XX |  | XX | North Carolina | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 161 | XX | XX |  | XX | Idaho | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 393 | XX | XX |  | XX | Tennessee | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 632 | XX | XX |  | XX | Montana | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 465 | XX | XX |  | XX | Oregon | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 30 | XX | XX |  | XX | New Jersey | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75 | XX | XX |  | XX | Arizona | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38 | XX | XX |  | XX | Louisiana | XX | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 12 | XX | XX |  | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 731 | XX | XX |  | XX | Texas | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 458 | XX | XX |  | XX | Texas | XX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 649 | XX | XX |  | XX | Texas | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 313 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 371 | XX | XX |  | XX | Maryland | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 707 | XX | XX |  | XX | New Jersey | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 719 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 786 | XX | XX |  | XX | New York | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 183 | XX | XX |  | XX | North Carolina | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 550 | XX | XX |  | XX | Oregon | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 362 | XX | XX |  | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 163 | XX | XX |  | XX | Georgia | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 397 | XX | XX |  | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 95 | XX | XX |  | XX | Texas | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 250 | XX | XX | XX | XX | Massachusetts | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 482 | XX | XX |  | XX | Florida | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 168 | XX | XX |  | XX | Nebraska | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 473 | XX | XX |  | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 573 | XX | XX |  | XX | Georgia | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 568 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 672 | XX | XX |  | XX | Arizona | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 518 | XX | XX |  | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80 | XX | XX |  | XX | South Dakota | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 586 | XX | XX |  | XX | California | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 703 | XX | XX |  | XX | Nevada | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 358 | XX | XX |  | XX | New Hampshire | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 416 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 569 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 21 | XX | XX |  | XX | Connecticut | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 724 | XX | XX |  | XX | Tennessee | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 745 | XX | XX |  | XX | New York | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 223 | XX | XX |  | XX | Florida | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 345 | XX | XX |  | XX | Indiana | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 560 | XX | XX |  | XX | New York | XX | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 500 | XX | XX |  | XX | Connecticut | XX | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 159 | XX | XX |  | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 571 | XX | XX |  | XX | Arizona | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 771 | XX | XX |  | XX | Florida | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 700 | XX | XX |  | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 197 | XX | XX |  | XX | Georgia | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 508 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 355 | XX | XX |  | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 202 | XX | XX |  | XX | Arizona | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 211 | XX | XX |  | XX | Georgia | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 227 | XX | XX |  | XX | Massachusetts | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 386 | XX | XX |  | XX | California | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 125 | XX | XX |  | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 774 | XX | XX |  | XX | Missouri | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 22 | XX | XX |  | XX | Tennessee | XX | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D | D | A D |
| 267 | XX | XX |  | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 792 | XX | XX |  | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 209 | XX | XX |  | XX | Texas | XX | Secondary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 490 | XX | XX |  | XX | Georgia | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 720 | XX | XX |  | XX | New York | XX | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 702 | XX | XX |  | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 112 | XX | XX |  | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 384 | XX | XX |  | XX | California | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 77 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 295 | XX | XX |  | XX | New York | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 716 | XX | XX |  | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 337 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 309 | XX | XX |  | XX | Colorado | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 627 | XX | XX |  | XX | Florida | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 552 | XX | XX |  | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 527 | XX | XX |  | XX | Ohio | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 436 | XX | XX |  | XX | Connecticut | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 352 | XX | XX |  | XX | Georgia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 411 | XX | XX |  | XX | Florida | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 323 | XX | XX |  | XX | Connecticut | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 790 | XX | XX |  | XX | Ohio | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 334 | XX | XX |  | XX | Florida | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 29 | XX | XX |  | XX | North Carolina | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 761 | XX | XX |  | XX | Wisconsin | XX | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 783 | XX | XX |  | XX | Maryland | XX | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 391 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 483 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 328 | XX | XX |  | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 121 | XX | XX |  | XX | Virginia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 260 | XX | XX |  | XX | Texas | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 710 | XX | XX |  | XX | Florida | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 198 | XX | XX |  | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 298 | XX | XX |  | XX | Texas | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 281 | XX | XX |  | XX | California | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 207 | XX | XX |  | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 546 | XX | XX |  | XX | California | XX | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 594 | XX | XX |  | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 162 | XX | XX |  | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 486 | XX | XX |  | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 347 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 665 | XX | XX |  | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 200 | XX | XX |  | XX | Virginia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 562 | XX | XX |  | XX | Arizona | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 764 | XX | XX |  | XX | South Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 407 | XX | XX |  | XX | Hawaii | XX | Secondary | Refinance B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A D |
| 310 | XX | XX |  | XX | Arkansas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 536 | XX | XX |  | XX | Utah | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 225 | XX | XX |  | XX | Utah | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 476 | XX | XX |  | XX | North Carolina | XX | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 241 | XX | XX |  | XX | Wisconsin | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 639 | XX | XX |  | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 779 | XX | XX |  | XX | New York | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 791 | XX | XX |  | XX | California | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 756 | XX | XX |  | XX | Missouri | XX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 366 | XX | XX |  | XX | Tennessee | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 696 | XX | XX |  | XX | North Carolina | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 591 | XX | XX |  | XX | New Jersey | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 71 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 320 | XX | XX |  | XX | New Jersey | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 210 | XX | XX |  | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 284 | XX | XX |  | XX | Florida | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 387 | XX | XX |  | XX | California | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 268 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 497 | XX | XX |  | XX | California | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 682 | XX | XX |  | XX | Minnesota | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 553 | XX | XX |  | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 519 | XX | XX |  | XX | Georgia | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 744 | XX | XX |  | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42 | XX | XX |  | XX | Virginia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 424 | XX | XX |  | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 389 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 193 | XX | XX |  | XX | North Carolina | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 270 | XX | XX |  | XX | Georgia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 286 | XX | XX |  | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 11 | XX | XX |  | XX | Idaho | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 545 | XX | XX |  | XX | Hawaii | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 766 | XX | XX |  | XX | New Jersey | XX | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 656 | XX | XX |  | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 605 | XX | XX |  | XX | Nevada | XX | Primary | Refinance B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 630 | XX | XX |  | XX | Indiana | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 653 | XX | XX |  | XX | Washington | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 184 | XX | XX |  | XX | Florida | XX | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 47 | XX | XX |  | XX | Florida | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 406 | XX | XX |  | XX | New York | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 377 | XX | XX |  | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 489 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 340 | XX | XX |  | XX | New Hampshire | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 412 | XX | XX |  | XX | Maryland | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 524 | XX | XX |  | XX | California | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 201 | XX | XX |  | XX | Alaska | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 475 | XX | XX |  | XX | Pennsylvania | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68 | XX | XX |  | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 214 | XX | XX |  | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 24 | XX | XX |  | XX | New York | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 604 | XX | XX |  | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 305 | XX | XX |  | XX | Oregon | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 514 | XX | XX |  | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 175 | XX | XX |  | XX | New Mexico | XX | Secondary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 217 | XX | XX |  | XX | Tennessee | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 252 | XX | XX |  | XX | Minnesota | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 577 | XX | XX |  | XX | Tennessee | XX | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A D |
| 357 | XX | XX |  | XX | Colorado | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 261 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 164 | XX | XX |  | XX | North Carolina | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 448 | XX | XX |  | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 231 | XX | XX |  | XX | Colorado | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 677 | XX | XX |  | XX | Massachusetts | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 609 | XX | XX |  | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99 | XX | XX |  | XX | Illinois | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 228 | XX | XX |  | XX | Missouri | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 294 | XX | XX |  | XX | Washington | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 462 | XX | XX |  | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 338 | XX | XX |  | XX | Ohio | XX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 381 | XX | XX |  | XX | California | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 752 | XX | XX |  | XX | Texas | XX | Primary | Cash Out A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 612 | XX | XX |  | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 365 | XX | XX |  | XX | Montana | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 776 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 587 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 81 | XX | XX |  | XX | Wisconsin | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 748 | XX | XX |  | XX | Utah | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 361 | XX | XX |  | XX | Nebraska | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 76 | XX | XX |  | XX | Idaho | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 574 | XX | XX |  | XX | Washington D.C. | XX | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 342 | XX | XX |  | XX | Florida | XX | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 3 | XX | XX |  | XX | Washington | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 111 | XX | XX |  | XX | Georgia | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 697 | XX | XX |  | XX | Pennsylvania | XX | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 582 | XX | XX |  | XX | Colorado | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 674 | XX | XX |  | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 494 | XX | XX |  | XX | New York | XX | Secondary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 615 | XX | XX |  | XX | Florida | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 274 | XX | XX |  | XX | Wisconsin | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 691 | XX | XX |  | XX | Mississippi | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 100 | XX | XX |  | XX | North Carolina | XX | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 32 | XX | XX |  | XX | Indiana | XX | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 642 | XX | XX |  | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 390 | XX | XX |  | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 698 | XX | XX |  | XX | California | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 637 | XX | XX |  | XX | Colorado | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 618 | XX | XX |  | XX | Florida | XX | Secondary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 588 | XX | XX |  | XX | Tennessee | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 115 | XX | XX |  | XX | Connecticut | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 151 | XX | XX |  | XX | Illinois | XX | Investor | Refinance B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 335 | XX | XX |  | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 196 | XX | XX |  | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 671 | XX | XX |  | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 303 | XX | XX |  | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 87 | XX | XX |  | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 187 | XX | XX |  | XX | Virginia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 155 | XX | XX |  | XX | Michigan | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 289 | XX | XX |  | XX | Colorado | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 322 | XX | XX |  | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96 | XX | XX |  | XX | Georgia | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 63 | XX | XX |  | XX | Massachusetts | XX | Secondary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 421 | XX | XX |  | XX | Delaware | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 678 | XX | XX |  | XX | New York | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 784 | XX | XX |  | XX | Texas | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 566 | XX | XX |  | XX | Alaska | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 670 | XX | XX |  | XX | Idaho | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 650 | XX | XX |  | XX | Colorado | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 293 | XX | XX |  | XX | Pennsylvania | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 60 | XX | XX |  | XX | Georgia | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 394 | XX | XX |  | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 736 | XX | XX |  | XX | Washington | XX | Primary | Refinance B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

**Data Compare**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 11 | XX | XX |  | Residual Income | XXXX | $29133.13 | $-14597.02 | -50.10453% | Total verified monthly income equals $16,603.48, monthly PITIA equals $2,067.37 and all other debts equal $0.00. Residual income is $14,536.11. | Initial |
| 22 | XX | XX |  | Residual Income | XXXX | $41410.73 | $8226.70 | 19.86610% | Total verified monthly income equals $62,544.89, monthly PITIA equals $7,028.46 and all other debts equal $5,879.00. Residual income is $49,637.43. | Initial |
| 24 | XX | XX |  | Residual Income | XXXX | $21490.93 | $-682.90 | -3.17761% | Total verified monthly income equals $31,130.73, monthly PITIA equals $4,171.10 and all other debts equal $6,151.60. Residual income is $20,808.03. | Initial |
| 32 | XX | XX |  | Residual Income | XXXX | $19639.24 | $981.32 | 4.99673% | Total verified monthly income equals $29,673.01, monthly PITIA equals $3,975.23 and all other debts equal $5,077.22. Residual income is $20,620.56. | Initial |
| 107 | XX | XX |  | Residual Income | XXXX | $215747.43 | $16090.67 | 7.45810% | Total verified monthly income equals $248,177.57, monthly PITIA equals $10,019.16 and all other debts equal $6,320.31. Residual income is $231,838.10. | Initial |
| 121 | XX | XX |  | Residual Income | XXXX | $15457.41 | $5236.46 | 33.87669% | Total verified monthly income equals $26,107.00, monthly net rental income loss equals $2,647.13 and all other debts equal $2,766.00. Residual income is $20,693.87. | Initial |
| 154 | XX | XX |  | Residual Income | XXXX | $5069.44 | $-482.00 | -9.50795% | Total verified monthly income equals $8,045.75, monthly net rental income loss equals $918.38 and all other debts equal $2,539.93. Residual income is $4,587.44. | Initial |
| 161 | XX | XX |  | Residual Income | XXXX | $11713.46 | $-1095.36 | -9.35129% | Total verified monthly income equals $16,954.26, monthly net rental income loss equals $0.00 and all other debts equal $6,336.16. Residual income is $10,618.10. | Initial |
| 181 | XX | XX |  | Residual Income | XXXX | $8470.08 | $279.18 | 3.29607% | Total verified monthly income equals $16,107.75, monthly net rental income loss equals $2,942.94 and all other debts equal $4,415.55. Residual income is $8,749.26. | Initial |
| 197 | XX | XX |  | Residual Income | XXXX | $132193.62 | $-5542.14 | -4.19244% | Total verified monthly income equals $150,445.91, monthly PITIA equals $9,366.46 and all other debts equal $14,427.97. Residual income is $126,651.48. | Initial |
| 228 | XX | XX |  | Residual Income | XXXX | $5903.93 | $-219.07 | -3.71057% | Total verified monthly income equals $11,320.62, monthly PITIA equals $3,932.76 and all other debts equal $1,703.00. Residual income is $5,684.86. | Initial |
| 233 | XX | XX |  | Residual Income | XXXX | $40267.83 | $4992.55 | 12.39835% | Total verified monthly income equals $68,104.59, monthly PITIA equals $15,749.96 and all other debts equal $7,094.25. Residual income is $45,260.38. | Initial |
| 328 | XX | XX |  | Residual Income | XXXX | $41684.13 | $2781.77 | 6.67345% | Total verified monthly income equals $60,409.52, monthly PITIA equals $8,507.96 and all other debts equal $7,435.66. Residual income is $44,465.90. | Initial |
| 352 | XX | XX |  | Residual Income | XXXX | $41557.47 | $-2051.05 | -4.93545% | Total verified monthly income equals $51,000.00, monthly PITIA equals $6,506.58 and all other debts equal $4,987.00. Residual income is $39,506.42. | Initial |
| 362 | XX | XX |  | Residual Income | XXXX | $6489.74 | $796.40 | 12.27167% | Total verified monthly income equals $12,561.04, monthly PITIA equals $5,209.90 and all other debts equal $65.00. Residual income is $7,286.14. | Initial |
| 411 | XX | XX |  | Residual Income | XXXX | $90697.83 | $-28188.16 | -31.07920% | Total verified monthly income equals $88,071.02, monthly PITIA equals $9,700.35 and all other debts equal $15,861.00. Residual income is $62,509.67. | Initial |
| 427 | XX | XX |  | Residual Income | XXXX | $35542.13 | $3984.43 | 11.21044% | Total verified monthly income equals $53,648.00, monthly PITIA equals $9,452.44 and all other debts equal $4,669.00. Residual income is $39,526.56. | Initial |
| 512 | XX | XX |  | Residual Income | XXXX | $6753.10 | $488.13 | 7.22823% | Total verified monthly income equals $11,172.40, monthly net rental income loss equals $0.00 and all other debts equal $3,931.17. Residual income is $7,241.23. | Initial |
| 545 | XX | XX |  | Original Appraised Value | XXXX | XX | XX |  | The Appraisal dated 10/XX/2025 reflects Original Appraised Value as $XX. | Initial |
| 552 | XX | XX |  | First Payment Date | XXXX | XX | -31 (Days) |  | The Note dated 11/XX/2025 reflects First Payment Date as 01/XX/2026. | Initial |
| 571 | XX | XX |  | Original Appraised Value | XXXX | XX | XX |  | The Appraisal dated 11/XX/2025 reflects Original Appraised Value as $XX | Initial |
| 587 | XX | XX |  | Residual Income | XXXX | $4524.86 | $703.00 | 15.53639% | Total verified monthly income equals $8,694.00, monthly PITIA equals $3,181.16 and all other debts equal $284.98. Residual income is $5,227.86. | Initial |
| 599 | XX | XX |  | Original Appraised Value | XXXX | XX | XX |  | The Appraisal dated 10/XX/2025 reflects Original Appraised Value as $XX. | Initial |
| 250 | XX | XX | XX | First Payment Date | XXXX | XX | 31 (Days) |  | The Note dated 11/XX/2025 reflects First Payment Date as 01/XX/2026. | Initial |
| 618 | XX | XX |  | Residual Income | XXXX | $128673.99 | $4217.00 | 3.27727% | Total verified monthly income equals $146,261.12, monthly PITIA equals $4,272.13 and all other debts equal $9,098.00. Residual income is $132,890.99. | Initial |
| 621 | XX | XX |  | Original Appraised Value | XXXX | XX | XX |  | The Appraisal dated 10/XX/2025 reflects Original Appraised Value as $XX. | Initial |
| 661 | XX | XX |  | Residual Income | XXXX | $13821.46 | $-1025.86 | -7.42222% | Total verified monthly income equals $17,439.71, monthly PITIA equals $3,872.11 and all other debts equal $772.00. Residual income is $12,795.60. | Initial |
| 722 | XX | XX |  | Original Appraised Value | XXXX | XX | XX | -13.04347% | The Appraisal dated 11/XX/2025 reflects Original Appraised Value as $XX | Initial |
| 722 | XX | XX |  | Original CLTV Ratio Percent | XXXX | 50.522% | 7.578% | 7.57800% | Collateral Value used for Underwriting: $XX. Amount of Secondary Lien(s): $0.00. Loan Amount: $XX CLTV = 58.100%. | Initial |
| 722 | XX | XX |  | Original Standard LTV (OLTV) | XXXX | 50.522% | 7.578% | 7.57800% | Collateral Value used for Underwriting: $XX, Loan Amount: $XX, LTV = 58.100%. | Initial |
| 785 | XX | XX |  | Original Appraised Value | XXXX | XX | XX |  | The Appraisal dated 11/XX/2025 reflects Original Appraised Value as $XX | Initial |
| 786 | XX | XX |  | Residual Income | XXXX | $18433.51 | $1273.62 | 6.90926% | Total verified monthly income equals $30,797.00, monthly PITIA equals $7,783.87 and all other debts equal $3,306.00. Residual income is $19,707.13. | Initial |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| 1 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.955% Allowed 8.790% Overby +0.165%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 769 |  | XXXX | 11.66 | $37524.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.392% | No | Alternative | QC Complete | 12/03/2025 |
| 3 | XXXX | XXXX |  | XXXX | Washington | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide Personal Guaranty, as it is missing.<br>Resolved 12/5/2025 - Received Personal guaranty document, condition resolved. |  |  | Single Family | XX/XX/XXXX | 69.978% | 69.978% | Investor | Refinance | 749 |  |  |  |  | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  |  |  | Alternative | QC Complete | 08/04/2025 |
| 4 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 804 |  | XXXX | 25.5 | $28355.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.743% | Yes | Alternative | QC Complete | 12/17/2025 |
| 10 | XXXX | XXXX |  | XXXX | Missouri | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.258% Allowed 8.130% Overby +0.128%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing Loan scorecard.<br>Resolved 1/6/2025 - Received loan score card, condition resolved. |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 770 |  | XXXX | 5.66 | $47986.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 7.089% | Yes | Alternative | QC Complete | 10/23/2025 |
| 11 | XXXX | XXXX |  | XXXX | Idaho | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 690 |  | XXXX | 3.25 | $16603.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 12.451% | Yes | Alternative | QC Complete | 12/18/2025 |
| 12 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 738 |  | XXXX | 10.75 | $32476.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.539% | Yes | Alternative | QC Complete | 12/03/2025 |
| 21 | XXXX | XXXX |  | XXXX | Connecticut | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the lease agreement for the property at XXXX, as it is missing.<br>Resolved 12/18/2025 - Received lease agreement for property, condition resolved. |  |  | 3 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 736 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 10/10/2025 |
| 22 | XXXX | XXXX |  | XXXX | Tennessee | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Property is vacant - EV R<br> COMMENT: Appraisal indicates property is vacant. Transaction is owner occupied.<br>Resolved 11/28/2025 - Received client response as " please note that this was a new construction and that is why it stated vacant ", condition resolved.<br>\*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: The current address on page 1 of the final 1003 lists the address as XXXX<br>Resolved 11/28/2025 - the borrower does currently live at XXXX, He's been living there 2 months rent free while XXXX is being built, Condition resolved.<br>\*\*\* (CURED) Right of Rescission missing or unexecuted - EV R<br> COMMENT: Missing Right of Rescission Document.<br>Resolved 11/24/2025: Received Right of Rescission Document dated XX/XX/XXXX and exception is cleared. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Refinance | 737 | 0.16 | XXXX | 2.16 | $62544.89 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.637% |  | Full Documentation | QC Complete | 01/29/2026 |
| 24 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Please provide the September 30, 2024 business bank statement for XXXX account ending in XXXX.<br>Resolved 11/28/2025 - Received bank statement, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 749 |  | XXXX | 3.58 | $31130.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.159% | No | Alternative | QC Complete | 11/18/2025 |
| 26 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>Resolved 12/01/2025 - Received rent comparable photos, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 681 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/06/2025 |
| 29 | XXXX | XXXX |  | XXXX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 62.963% | 62.963% | Secondary | Purchase | 796 |  | XXXX | 30.58 | $6250.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.159% | No | Full Documentation | QC Complete | 12/03/2025 |
| 30 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 65.000% | 65.000% | Investor | Purchase | 776 |  | XXXX | 2.25 | $2116419.77 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 3.501% | No | Alternative | QC Complete | 11/18/2025 |
| 32 | XXXX | XXXX |  | XXXX | Indiana | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.211% Allowed 8.110% Overby +0.101%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of proof document for property address : XXXX<br>Tax & insurance - $334.62 , Mortgage statement : Account : Need - $1527 & XXXX - $1434.60.<br>Not Resolved 11/24/2025 - Required PITI documentation proof for Investment property " XXXX ", condition not resolved.<br>Resolved 12/19/2025 - Received PITIA documents, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 779 |  | XXXX | 2.33 | $29673.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.507% | No | Alternative | QC Complete | 11/07/2025 |
| 36 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of operating agreement for XXXX<br>Resolved 12/17/2025 - Received operating agreement, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception being requested at CRT's request. Requesting exception to allow for an ADU on a 2-unit property. XXXX only allows for one ADU on 1 unit properties. Not using any rental income from ADU to qualify.<br>A copy of an exception approval letter is available in the loan file. | FICO: 722 FICO exceeds the guideline requirement of 720.<br>Reserves: The 25 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 1.07 DSCR exceeds the guideline requirement of 1.00. | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 722 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/03/2025 |
| 38 | XXXX | XXXX |  | XXXX | Louisiana | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception for Barndominium. Showing as ineligible property in Guidelines. Appraisal Reviewed by CRT and found to be acceptable. 0x30 over 107 months on investment property. Subject property mortgage being paid off was just opened 2/2025 with no monthly payments required per agreement.<br>A copy of an exception approval letter is available in the loan file. | LTV: 52.92% LTV is less than the guideline requirement of 80.00%.<br>DTI: 29.59% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 759 FICO exceeds the guideline requirement of 720. | Single Family | XX/XX/XXXX | 52.917% | 52.917% | Primary | Refinance | 759 | 16.83 | XXXX | 5.92 | $30677.43 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.595% |  | Alternative | QC Complete | 12/18/2025 |
| 42 | XXXX | XXXX |  | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 74.757% | 74.757% | Investor | Purchase | 738 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/17/2025 |
| 47 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: Please provide an updated Final 1003 with the REO section reflecting a PITI of $1,534.48, consistent with the mortgage statement for the primary property located at XXXX.<br>Not Resolved 11/24/2025 - Required REO Property XXXX to reflect the mortgage payment, condition not resolved.<br>Resolved 12/05/2025 - Resolved as the borrower is no longer the owner and has intra-family transfer. |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 725 |  | XXXX | 10 | $24394.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.898% | No | Full Documentation | QC Complete | 11/07/2025 |
| 52 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Appraisal incomplete due to missing a completed 1007 (Single-Family Rent Schedule) with rent comparables and rent comparables photos.<br>12/26/2025 Resolved : Resolved as no 1007 form was required. |  |  | Single Family | XX/XX/XXXX | 60.000% | 60.000% | Investor | Cash Out | 790 |  | XXXX | 16.83 | $60058.14 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 17.271% |  | Alternative | QC Complete | 12/03/2025 |
| 58 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 735 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/18/2025 |
| 60 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.215% Allowed 7.790% Overby +1.425%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 89.990% | 89.990% | Primary | Purchase | 758 |  | XXXX | 3.75 | $6514.51 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 41.295% | No | Alternative | QC Complete | 12/18/2025 |
| 63 | XXXX | XXXX |  | XXXX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 79.840% | 79.840% | Secondary | Refinance | 782 |  | XXXX | 15.75 | $52321.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.257% |  | Alternative | QC Complete | 11/19/2025 |
| 66 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of secondary valuation as it is missing.<br>Resolved 1/8/2026 - Received CDA, condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 786 |  | XXXX | 6.41 | $13542.65 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.547% | No | Alternative | QC Complete | 11/18/2025 |
| 68 | XXXX | XXXX |  | XXXX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 671 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 12/03/2025 |
| 71 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 812 |  | XXXX | 18.33 | $39259.91 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.696% | No | Full Documentation | QC Complete | 11/19/2025 |
| 72 | XXXX | XXXX |  | XXXX | New Mexico | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a payoff statement or proof of account inactivity for the auto accounts listed below, which have already been included in the DTI calculation.<br>XXXX<br>Not Resolved 11/28/2025 - Required proof of above auto accounts, condition not resolved.<br>Resolved 12/30/2025: The copy bank statement screenshot with payment proofs. |  |  | Single Family | XX/XX/XXXX | 79.909% | 79.909% | Investor | Refinance | 759 |  |  |  | $10102.05 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.314% |  | Alternative | QC Complete | 11/20/2025 |
| 75 | XXXX | XXXX |  | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 45.447% | 45.447% | Investor | Refinance | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/03/2025 |
| 76 | XXXX | XXXX |  | XXXX | Idaho | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.286% | 70.286% | Primary | Cash Out | 730 | 10 | XXXX | 15.83 | $79493.72 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 6.682% |  | Alternative | QC Complete | 12/17/2025 |
| 77 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 809 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/03/2025 |
| 80 | XXXX | XXXX |  | XXXX | South Dakota | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 66.246% | 66.246% | Investor | Purchase | 722 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/18/2025 |
| 81 | XXXX | XXXX |  | XXXX | Wisconsin | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Appraiser Certificate is missing in the file.<br>Resolved 11/28/2025 - Received appraisal certificate, condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 700 |  | XXXX | 11.75 | $79871.21 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.147% | No | Alternative | QC Complete | 11/18/2025 |
| 87 | XXXX | XXXX |  | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 797 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/19/2025 |
| 90 | XXXX | XXXX |  | XXXX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 780 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/18/2025 |
| 95 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The Flood Certificate reflects the subject property as being located in FEMA Flood Zone AE. However, the appraisal report indicates "FEMA Flood Zone: No. Correction required on appraisal.<br>Resolved 12/4/2025 - Received corrected appraisal report, condition resolved. |  |  | Single Family | XX/XX/XXXX | 71.385% | 71.385% | Investor | Refinance | 743 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 11/18/2025 |
| 96 | XXXX | XXXX |  | XXXX | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) The Appraisal License is Missing - EV R<br> COMMENT: Provide a copy of the appraiser's license, as it is missing.<br>Resolved 12/16/2025 - Received appraiser license, condition resolved. |  |  | PUD | XX/XX/XXXX | 77.340% | 77.340% | Investor | Refinance | 747 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/03/2025 |
| 99 | XXXX | XXXX |  | XXXX | Illinois | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 50.000% | 50.000% | Primary | Cash Out | 794 | 6.25 | XXXX | 9.16 | $75767.54 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 43.666% |  | Full Documentation | QC Complete | 11/18/2025 |
| 100 | XXXX | XXXX |  | XXXX | North Carolina | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.248% Allowed 7.760% Overby +1.488%.<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the evidence document receipt (tax, insurance, or HOA fee) for property XXXX in the amount of $200.00, as it is missing.<br>Resolved 12/17/2025 - Received proof documents for REO, condition resolved. |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 725 |  | XXXX | 8.16 | $11275.32 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.475% | No | Alternative | QC Complete | 12/03/2025 |
| 107 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 753 |  | XXXX | 7.5 | $248177.57 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 6.584% | No | Alternative | QC Complete | 11/20/2025 |
| 111 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Credit history does not meet guidelines - EV R<br> COMMENT: The mortgage statement dated 9/15/2025 shows and overdue amount of $2,395.83. Need credit supplement to verify not 30 days past due.<br>Resolved 12/17/2025 - Received mortgage payment in credit report with zero late payment, condition resolved. |  |  | PUD | XX/XX/XXXX | 65.000% | 65.000% | Primary | Purchase | 790 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/03/2025 |
| 112 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 779 |  | XXXX | 13.58 | $65216.83 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.797% | No | Full Documentation | QC Complete | 12/18/2025 |
| 115 | XXXX | XXXX |  | XXXX | Connecticut | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 744 |  | XXXX | 5.16 | $42708.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.622% | No | Alternative | QC Complete | 11/19/2025 |
| 118 | XXXX | XXXX |  | XXXX | Arkansas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Transmittal (1008) is Missing - EV R<br> COMMENT: Missing form 1008 transmittal.<br>Not resolved 12/01/2025 - Required 1008 transmittal, condition not resolved.<br>Resolved 12/19/2025 - Resolved as the 1008 is not required. |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 736 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/18/2025 |
| 119 | XXXX | XXXX |  | XXXX | Connecticut | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 72.727% | 72.727% | Primary | Cash Out | 717 | 7.16 | XXXX | 7.25 | $24451.59 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 31.996% |  | Alternative | QC Complete | 12/17/2025 |
| 121 | XXXX | XXXX |  | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 789 |  | XXXX | 4.83 | $26107.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.734% | No | Full Documentation | QC Complete | 12/03/2025 |
| 125 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 756 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 11/19/2025 |
| 128 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/17/2025 |
| 143 | XXXX | XXXX |  | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 789 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/03/2025 |
| 145 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 768 |  | XXXX | 3.91 | $7832.80 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.579% | Yes | Alternative | QC Complete | 12/18/2025 |
| 151 | XXXX | XXXX |  | XXXX | Illinois | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: As Subject is a three unit with an ADU. XXXX is aware of this and indicated he would approve the exception.Loan has not been under written in house so DSCR not yet known.Please condition for DSCR > 1.Per Title property just purchases XX/XX/XXXX.August mortgage statement is provided .Used subject payment from mortgage statement and not form 1003.<br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.07 DSCR exceeds the guideline requirement of 1.00.<br>Experienced investor: 3+ years of investment experience.<br>Reserves: The 14 months of available reserves are more than the guideline requirement of 6 months.<br>| 3 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Refinance | 680 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/17/2025 |
| 152 | XXXX | XXXX |  | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 762 |  | XXXX | 23.41 | $21916.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.509% | No | Full Documentation | QC Complete | 12/03/2025 |
| 154 | XXXX | XXXX |  | XXXX | North Carolina | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of title E&O, as it is missing.<br>Resolved 12/19/2025 - Received CPL letter, Condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 772 |  | XXXX | 2.42 | $8045.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.983% | No | Full Documentation | QC Complete | 12/03/2025 |
| 155 | XXXX | XXXX |  | XXXX | Michigan | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 804 |  | XXXX | 5.75 | $39562.51 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.317% | No | Alternative | QC Complete | 12/03/2025 |
| 159 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 769 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/03/2025 |
| 161 | XXXX | XXXX |  | XXXX | Idaho | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 770 |  | XXXX | 20.95 | $16979.26 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.372% | No | Full Documentation | QC Complete | 01/28/2026 |
| 162 | XXXX | XXXX |  | XXXX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 784 |  | XXXX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/03/2025 |
| 163 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 786 |  | XXXX | 6.16 | $10597.83 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.535% | No | Alternative | QC Complete | 12/03/2025 |
| 164 | XXXX | XXXX |  | XXXX | North Carolina | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.867% Allowed 7.790% Overby +1.077%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 771 |  | XXXX | 4.17 | $62277.61 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 5.958% | Yes | Alternative | QC Complete | 12/04/2025 |
| 166 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 66.667% | 66.667% | Investor | Purchase | 780 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/04/2025 |
| 168 | XXXX | XXXX |  | XXXX | Nebraska | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 72.581% | 72.581% | Primary | Refinance | 786 | 2 | XXXX | 7.83 | $5143.61 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.362% |  | Alternative | QC Complete | 01/05/2026 |
| 175 | XXXX | XXXX |  | XXXX | New Mexico | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Borrower is identified as a first-time home buyer (FTHB) and is therefore ineligible for a second-home purchase in program guidelines (XXXX).<br>A copy of an exception approval letter is available in the loan file. | FICO: 801 FICO exceeds the guideline requirement of 700.<br>DTI: 32.81% DTI is less than the maximum guideline requirement of 50.00%. | PUD | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 801 |  | XXXX | 2.16 | $16618.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.942% | Yes | Full Documentation | QC Complete | 12/03/2025 |
| 177 | XXXX | XXXX |  | XXXX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 751 |  | XXXX | 17.83 | $136954.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 12.427% | No | Alternative | QC Complete | 12/17/2025 |
| 180 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 747 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/18/2025 |
| 181 | XXXX | XXXX |  | XXXX | New Hampshire | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 12/23/2025 - Received title report, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 788 |  | XXXX | 11.08 | $9024.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.683% | No | Full Documentation | QC Complete | 12/04/2025 |
| 183 | XXXX | XXXX |  | XXXX | North Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/17/2025 |
| 184 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Cash Out | 790 |  | XXXX | 3.08 | $46416.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 47.283% |  | Full Documentation | QC Complete | 12/17/2025 |
| 187 | XXXX | XXXX |  | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 753 |  | XXXX | 49 | $35728.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.284% | No | Full Documentation | QC Complete | 12/17/2025 |
| 193 | XXXX | XXXX |  | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Refinance | 793 |  | XXXX | 5.33 | $8607.62 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.290% |  | Full Documentation | QC Complete | 12/04/2025 |
| 194 | XXXX | XXXX |  | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 739 |  | XXXX | 20.41 | $11686.41 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.309% | No | Full Documentation | QC Complete | 12/18/2025 |
| 196 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 729 |  | XXXX | 41.41 | $6441.19 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.863% | No | Alternative | QC Complete | 01/05/2026 |
| 197 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.136% Allowed 8.740% Over by +0.396%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 643 |  | XXXX | 12.42 | $150445.91 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.816% | No | Alternative | QC Complete | 12/04/2025 |
| 198 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>Resolved 12/18/2025 - Received rental comparable, condition resolved. |  |  | 4 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 733 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/04/2025 |
| 200 | XXXX | XXXX |  | XXXX | Virginia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Cash Out | 746 | 5.92 | XXXX | 5.33 | $8099.51 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 47.171% |  | Alternative | QC Complete | 12/18/2025 |
| 201 | XXXX | XXXX |  | XXXX | Alaska | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 45.455% | 45.455% | Investor | Purchase | 776 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/18/2025 |
| 202 | XXXX | XXXX |  | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 63.241% | 63.241% | Investor | Refinance | 763 |  | XXXX | 15.42 | $48351.72 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.674% |  | Alternative | QC Complete | 12/18/2025 |
| 207 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 709 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/17/2025 |
| 209 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 52.821% | 52.821% | Secondary | Refinance | 777 |  | XXXX | 8.33 | $41251.11 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.719% |  | Full Documentation | QC Complete | 12/18/2025 |
| 210 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide an additional one-month bank statement for XXXX account ending in XXXX to meet the requirement of two months of statements.<br>Resolved 01/02/2026: Resolved as $250,000 deposit to open the new XXXX came from XXXX($190000) and XXXX ($60000); funds were already "seasoned" in other accounts. |  |  | Single Family | XX/XX/XXXX | 44.444% | 44.444% | Investor | Purchase | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/04/2025 |
| 211 | XXXX | XXXX |  | XXXX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Refinance | 688 |  | XXXX | 6.08 | $102476.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.273% |  | Alternative | QC Complete | 12/18/2025 |
| 214 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 57.387% | 57.387% | Primary | Refinance | 741 | 1.75 | XXXX | 7.75 | $85023.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.962% |  | Full Documentation | QC Complete | 12/18/2025 |
| 217 | XXXX | XXXX |  | XXXX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 52.227% | 52.227% | Primary | Refinance | 740 | 1.33 | XXXX | 1.16 | $10323.85 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.088% |  | Alternative | QC Complete | 12/18/2025 |
| 219 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 794 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/18/2025 |
| 222 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 79.778% | 79.778% | Investor | Refinance | 791 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/18/2025 |
| 223 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 720 | 20.5 | XXXX | 2.75 | $14695.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 39.465% |  | Alternative | QC Complete | 12/18/2025 |
| 225 | XXXX | XXXX |  | XXXX | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 725 |  | XXXX | 9.83 | $106491.21 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 7.596% | No | Alternative | QC Complete | 12/17/2025 |
| 227 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Borrower minimum Tradeline Requirement<br>A copy of an exception approval letter is available in the loan file. | FICO: 727 FICO exceeds the guideline requirement of 700.<br>Reserves: The 6 months of available reserves are more than the guideline requirement of 3 months.<br>| 3 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 727 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/04/2025 |
| 228 | XXXX | XXXX |  | XXXX | Missouri | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 706 |  | XXXX | 12.66 | $3763.27 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.783% | No | Full Documentation | QC Complete | 12/18/2025 |
| 231 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 769 |  | XXXX | 8.83 | $23367.88 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.886% | No | Full Documentation | QC Complete | 12/18/2025 |
| 233 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 62.526% | 62.526% | Primary | Refinance | 756 | 1.42 | XXXX | 5.25 | $68104.59 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.543% |  | Alternative | QC Complete | 12/17/2025 |
| 235 | XXXX | XXXX |  | XXXX | Washington | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 765 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.325% | No | Full Documentation | QC Complete | 12/18/2025 |
| 241 | XXXX | XXXX |  | XXXX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 733 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/17/2025 |
| 252 | XXXX | XXXX |  | XXXX | Minnesota | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br>Resolved 12/8/2025 - Received title report with insured amount, condition resolved. |  |  | Single Family | XX/XX/XXXX | 73.836% | 73.836% | Investor | Cash Out | 756 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/02/2025 |
| 256 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 49.654% | 49.654% | Primary | Cash Out | 812 | 33 | XXXX | 15.83 | $150553.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 1.983% |  | Alternative | QC Complete | 11/26/2025 |
| 260 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.159% Allowed 7.670% Overby +0.489%.<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 741 |  | XXXX | 19.91 | $25390.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.290% | Yes | Alternative | QC Complete | 11/28/2025 |
| 261 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: Provide a copy of Flood cert for the subject property address : XXXX<br>Resolved 12/11/2025; The copy of flood cert resolves the condition. |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 804 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/19/2025 |
| 262 | XXXX | XXXX |  | XXXX | Hawaii | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/16/2025 - Received title insured amount, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide proof for the $358.78 amount shown in the PITIA 'other' section of the application.<br>Resolved 12/19/2025 - Received documentation proof, condition resolved. |  |  | Single Family | XX/XX/XXXX | 67.621% | 67.621% | Primary | Refinance | 788 | 1.33 |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/09/2025 |
| 267 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/25/2025 |
| 268 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of the secondary valuation CDA as it missing.<br>Resolved - 12/15/2025 - Received CDA, condition resolved. |  |  | PUD | XX/XX/XXXX | 55.752% | 55.752% | Primary | Purchase | 801 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/10/2025 |
| 270 | XXXX | XXXX |  | XXXX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 775 |  | XXXX | 11.16 | $32783.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.157% | No | Full Documentation | QC Complete | 11/19/2025 |
| 274 | XXXX | XXXX |  | XXXX | Wisconsin | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 719 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/10/2025 |
| 277 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 69.237% | 69.237% | Investor | Purchase | 790 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/26/2025 |
| 281 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 55.957% | 55.957% | Primary | Cash Out | 788 | 2 | XXXX | 7.41 | $39217.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 17.341% |  | Alternative | QC Complete | 12/05/2025 |
| 283 | XXXX | XXXX |  | XXXX | Utah | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 27.239% | 27.239% | Primary | Purchase | 680 |  | XXXX | 6.75 | $29800.44 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 13.092% | No | Alternative | QC Complete | 11/26/2025 |
| 284 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 76.400% | 76.400% | Investor | Refinance | 747 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/19/2025 |
| 285 | XXXX | XXXX |  | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 61.538% | 61.538% | Investor | Refinance | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/19/2025 |
| 286 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 672 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/04/2025 |
| 289 | XXXX | XXXX |  | XXXX | Colorado | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of Rental comparables photos in appraisal report.<br>Not Resolved 12/22/2025 - Required rental comparable photos, condition resolved.<br>Resolved 12/26/2025 - The copy of rental photos resolves the condition. |  |  | 4 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 745 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/11/2025 |
| 293 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Refinance | 780 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/16/2025 |
| 294 | XXXX | XXXX |  | XXXX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 50.000% | 50.000% | Primary | Refinance | 797 | 1.42 | XXXX | 6.08 | $14886.99 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.638% |  | Full Documentation | QC Complete | 12/02/2025 |
| 295 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 712 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/16/2025 |
| 298 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 79.373% | 79.373% | Primary | Refinance | 757 | 2 | XXXX | 4.83 | $9395.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.343% |  | Alternative | QC Complete | 12/16/2025 |
| 303 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 769 |  | XXXX | 1.41 | $18319.80 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.833% | No | Full Documentation | QC Complete | 12/19/2025 |
| 305 | XXXX | XXXX |  | XXXX | Oregon | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 12/22/2025 - Received title insured amount, condition resolved. |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 776 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 11/10/2025 |
| 309 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 50.000% | 50.000% | Primary | Purchase | 775 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/26/2025 |
| 310 | XXXX | XXXX |  | XXXX | Arkansas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 726 |  | XXXX | 4.08 | $21366.55 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.218% | No | Alternative | QC Complete | 12/16/2025 |
| 311 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 51.546% | 51.546% | Secondary | Purchase | 807 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/11/2025 |
| 313 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing proof of taxes and insurance for the REO property "XXXX".<br>Resolved 12/15/2025 - Received LOX from client " as documentation of the PITIA expenses for non-subject properties is not required for this product ", condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 738 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/09/2025 |
| 315 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 773 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/08/2025 |
| 320 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 79.712% | 79.712% | Secondary | Purchase | 761 |  | XXXX | 9.5 | $66338.84 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.671% | No | Alternative | QC Complete | 12/10/2025 |
| 322 | XXXX | XXXX |  | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 777 |  | XXXX | 12.25 | $10125.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.522% | No | Full Documentation | QC Complete | 12/08/2025 |
| 323 | XXXX | XXXX |  | XXXX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 753 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/11/2025 |
| 328 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of$XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/12/2025 - Received Title insured amount, condition resolved. |  |  | Single Family | XX/XX/XXXX | 60.296% | 60.296% | Primary | Refinance | 809 | 2.5 | XXXX | 9.58 | $60409.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.393% |  | Alternative | QC Complete | 12/09/2025 |
| 334 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br>Resolved 11/28/2025 - Received final title policy, condition resolved. |  |  | Single Family | XX/XX/XXXX | 74.126% | 74.126% | Primary | Cash Out | 751 | 24 | XXXX | 26.75 | $27004.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 38.937% |  | Alternative | QC Complete | 11/13/2025 |
| 335 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/11/2025 |
| 337 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 783 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 12/10/2025 |
| 338 | XXXX | XXXX |  | XXXX | Ohio | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Needed initial Closing Disclosure prior to 3 business days of consummation date XX/XX/XXXX<br>Resolved 12/17/2025: Received Initial Closing Disclosure dated 10/30/2025 and exception is cleared.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.771% Allowed 7.740% Overby +1.031%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Cash Out | 658 | 4 | XXXX | 3.08 | $8520.72 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 43.540% |  | Alternative | QC Complete | 12/04/2025 |
| 340 | XXXX | XXXX |  | XXXX | New Hampshire | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 23.235% | 23.235% | Primary | Refinance | 783 | 1.91 | XXXX | 10.25 | $42916.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.802% |  | Full Documentation | QC Complete | 12/09/2025 |
| 342 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Cash reserves less than required by guidelines - EV R<br> COMMENT: The total verified assets of $34,054.12 are insufficient to meet the six-month reserve requirement. After subtracting the cash-to-close amount of $XXXX, the remaining assets total $6,750.15. This falls $5,851.17 short of the required six-month reserves of $12,601.32.<br>Resolved 12/16/2025 - Received LOX as the loan doesn't requires 6 month reserves, condition resolved.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.702% Allowed 7.730% Overby +0.972%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 762 |  | XXXX | 5.08 | $6471.72 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.452% | Yes | Alternative | QC Complete | 01/28/2026 |
| 345 | XXXX | XXXX |  | XXXX | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 53.571% | 53.571% | Primary | Cash Out | 763 | 10.83 | XXXX | 11.75 | $4591.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.932% |  | Alternative | QC Complete | 12/03/2025 |
| 347 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 43.478% | 43.478% | Primary | Purchase | 798 |  | XXXX | 7.5 | $12109.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.004% | Yes | Alternative | QC Complete | 12/11/2025 |
| 352 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 67.028% | 67.028% | Primary | Cash Out | 701 | 4.75 | XXXX | 7.58 | $51000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 22.536% |  | Alternative | QC Complete | 11/19/2025 |
| 355 | XXXX | XXXX |  | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 794 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/25/2025 |
| 357 | XXXX | XXXX |  | XXXX | Colorado | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 73.182% | 73.182% | Investor | Refinance | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/08/2025 |
| 358 | XXXX | XXXX |  | XXXX | New Hampshire | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 67.333% | 67.333% | Investor | Purchase | 769 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/20/2025 |
| 361 | XXXX | XXXX |  | XXXX | Nebraska | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 814 |  | XXXX | 1.58 | $18827.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.726% | No | Alternative | QC Complete | 11/24/2025 |
| 362 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 776 |  | XXXX | 4.25 | $12561.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.994% | Yes | Alternative | QC Complete | 11/26/2025 |
| 365 | XXXX | XXXX |  | XXXX | Montana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 30.583% | 30.583% | Primary | Cash Out | 727 | 10 | XXXX | 34.83 | $14212.21 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 13.855% |  | Alternative | QC Complete | 11/20/2025 |
| 366 | XXXX | XXXX |  | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 759 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/24/2025 |
| 368 | XXXX | XXXX |  | XXXX | Connecticut | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 753 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 11/24/2025 |
| 371 | XXXX | XXXX |  | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 74.706% | 74.706% | Investor | Refinance | 663 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 11/24/2025 |
| 377 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 801 |  | XXXX | 7.67 | $14833.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.916% | No | Alternative | QC Complete | 12/11/2025 |
| 380 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/18/2025 - Received title insured amount, condition resolved. |  |  | 3 Family | XX/XX/XXXX | 66.939% | 66.939% | Investor | Refinance | 773 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/10/2025 |
| 381 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/3/2025- Received final title policy, condition resolved. |  |  | 2 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 725 |  | XXXX | 25.16 | $20608.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.576% | No | Full Documentation | QC Complete | 11/26/2025 |
| 382 | XXXX | XXXX |  | XXXX | Utah | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 784 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/16/2025 |
| 383 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 60.000% | 60.000% | Investor | Refinance | 746 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/10/2025 |
| 384 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 12/2/2025 - Received title insured amount, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 805 |  | XXXX | 26.58 | $9392.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.154% | No | Alternative | QC Complete | 11/25/2025 |
| 386 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 12/22/2025 - Received Supplement report, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: provide a copy of the Letter of Explanation (LOX) from XXXX authorizing access to the funds held in the XXXX account.<br>Resolved 12/22/2025 - Received LOX as Joint access letter are not guideline requirement, condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Refinance | 764 |  | XXXX | 9.91 | $14305.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.156% |  | Full Documentation | QC Complete | 12/16/2025 |
| 387 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 69.167% | 69.167% | Investor | Refinance | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 11/24/2025 |
| 389 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 65.000% | 65.000% | Investor | Purchase | 797 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/16/2025 |
| 390 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide the lease agreements for the two rented units of the subject property.<br>Resolved 12/23/2025 - Received LOX as the comparable rent schedule on the appraisal stated there were two active leases so we use the lower of the leases or the market rent to calculate the DSCR , condition resolved. |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 790 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/08/2025 |
| 391 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 33.708% | 33.708% | Primary | Purchase | 789 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/16/2025 |
| 393 | XXXX | XXXX |  | XXXX | Tennessee | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of settlement statement for property address "XXXX<br>Resolved 12/15/2025 - Received seller CD, condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 772 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/10/2025 |
| 394 | XXXX | XXXX |  | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 742 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/28/2025 |
| 397 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 41.304% | 41.304% | Primary | Cash Out | 726 | 10 | XXXX | 10.83 | $29781.94 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 16.729% |  | Alternative | QC Complete | 11/20/2025 |
| 402 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 771 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/24/2025 |
| 406 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of title supplement report, as the proposed title insured amount of $XXXX is insufficient to cover the loan amount of $XXXX<br>Resolved 12/16/2025 - Received title insured amount, condition resolved. |  |  | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 800 |  | XXXX | 12.08 | $49043.69 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 36.903% |  | Alternative | QC Complete | 12/10/2025 |
| 407 | XXXX | XXXX |  | XXXX | Hawaii | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: Provide an updated appraisal report with following corrections.<br>1) Occupancy reflecting as "Owner".<br> 2) property in flood zone reflecting as "Yes".<br>Resolved 12/4/2025 - Received corrected appraisal, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Property is a condo hotel at LTV/CLTV is 75.84% and program max is 75%.<br>A copy of an exception approval letter is available in the loan file. | Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months.<br>DTI: 42.51% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 774 FICO exceeds the guideline requirement of 720. | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 75.840% | 75.840% | Secondary | Refinance | 774 |  | XXXX | 0.42 | $41843.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.507% |  | Full Documentation | QC Complete | 11/25/2025 |
| 411 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Housing Payment - EV R<br> COMMENT: Proof of taxes is required for XXXX and XXXX<br>Resolved 12/9/2025 - Received documentation for taxes, condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 786 |  | XXXX | 7.66 | $88071.02 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.024% | No | Full Documentation | QC Complete | 12/04/2025 |
| 412 | XXXX | XXXX |  | XXXX | Maryland | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/11/2025 - Received title insured amount, condition resolved. |  |  | 3 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 782 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/05/2025 |
| 416 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 773 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/08/2025 |
| 421 | XXXX | XXXX |  | XXXX | Delaware | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) The Appraisal License is Missing - EV R<br> COMMENT: The appraiser license reflects the expiration date as 10/31/2025. Provide an updated appraiser license.<br>Resolved 12/18/2025 - Received appraiser license, condition resolved. |  |  | Single Family | XX/XX/XXXX | 71.588% | 71.588% | Investor | Refinance | 660 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/11/2025 |
| 424 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 800 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/09/2025 |
| 427 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing title commitment date.<br>Resolved 12/15/2025 - Received title commitment effective date, condition resolved. |  |  | Single Family | XX/XX/XXXX | 79.156% | 79.156% | Primary | Purchase | 778 |  | XXXX | 5.83 | $53648.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.322% | No | Alternative | QC Complete | 12/10/2025 |
| 436 | XXXX | XXXX |  | XXXX | Connecticut | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide supporting documents for the property "XXXX" as it is missing.<br>Resolved 12/9/2025 - Received closing disclosure for the respective property, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide supporting documents for the property "XXXX" as it is missing.<br>Provide supporting documents for the property "XXXX" as it is missing.<br>Resolved 12/24/2025 - Received Proof of document, condition resolved. |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Refinance | 739 |  | XXXX | 5.08 | $129164.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.515% |  | Alternative | QC Complete | 12/04/2025 |
| 438 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Lease Agreement for XXXX with rent $1300.<br>Resolved 12/12/2025 - Received addendum to lease agreement, condition resolved. |  |  | 4 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/04/2025 |
| 448 | XXXX | XXXX |  | XXXX | Maryland | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 709 |  | XXXX | 8.5 | $16242.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.957% | No | Alternative | QC Complete | 12/19/2025 |
| 451 | XXXX | XXXX |  | XXXX | Ohio | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.867% Allowed 7.730% Overby +1.137%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 757 |  | XXXX | 7.83 | $6562.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.607% | Yes | Alternative | QC Complete | 12/10/2025 |
| 458 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Condo less than 500 SF.<br>A copy of an exception approval letter is available in the loan file. | FICO: 768 FICO exceeds the guideline requirement of 700.<br>Reserves: The 83 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 0.99 DSCR exceeds the guideline requirement of 0.50. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/31/2025 |
| 462 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/26/2025 |
| 464 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 714 |  | XXXX | 6.16 | $13597.69 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.974% | Yes | Alternative | QC Complete | 12/09/2025 |
| 465 | XXXX | XXXX |  | XXXX | Oregon | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide the final Closing Disclosure for the property at XXXX. The borrower is receiving $49,000 in cash-out proceeds, which are being used as assets.<br>Resolved 12/23/2025 - Received settlement statement, condition resolved. |  |  | 2 Family | XX/XX/XXXX | 78.250% | 78.250% | Investor | Refinance | 723 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/05/2025 |
| 466 | XXXX | XXXX |  | XXXX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 772 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/28/2026 |
| 473 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 763 |  | XXXX | 2.83 | $19760.19 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.521% | No | Alternative | QC Complete | 11/20/2025 |
| 475 | XXXX | XXXX |  | XXXX | Pennsylvania | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Refinance | 746 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/19/2025 |

| 482 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 76.400% | 76.400% | Investor | Refinance | 747 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/19/2025 |
| 483 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 767 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/04/2025 |
| 484 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/10/2025 |
| 486 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 744 |  | XXXX | 7.33 | $86105.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.737% | No | Alternative | QC Complete | 12/10/2025 |
| 489 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 52.381% | 52.381% | Primary | Purchase | 780 |  | XXXX | 3.33 | $22234.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.830% | Yes | Alternative | QC Complete | 12/16/2025 |
| 490 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/02/2025 |
| 494 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Please provide a copy of the XXXX Bank Statement for XXXX., (Account Number# XXXX), for the following periods: 1. November 30, 2024, through December 31, 2024 2. January 1, 2025, through January 31, 2025<br>Resolved 12/01/2025 - Received both bank statements, condition resolved. |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Cash Out | 764 |  | XXXX | 13 | $152299.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 17.390% |  | Alternative | QC Complete | 11/11/2025 |
| 495 | XXXX | XXXX |  | XXXX | Virginia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 817 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/11/2025 |
| 497 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Completed "Subject To" w/o Compltn Cert in File - EV R<br> COMMENT: Provide a copy of 1004D document as it is missing.<br>Resolved 12/3/2025 - Received Lender response, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of mortgage statement for the property "XXXX" as it is missing.<br>Provide a copy of mortgage statement for the property "XXXX" as it is missing.<br>Resolved 12/8/2025 - Received mortgage statement LOX, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 808 |  | XXXX | 2.75 | $88166.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.868% | No | Alternative | QC Complete | 11/26/2025 |
| 500 | XXXX | XXXX |  | XXXX | Connecticut | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing hazard insurance, taxes & HOA if applicable for properties #XXXX, #XXXX and XXXX<br>Resolved 12/11/2025 - Received Tax and insurance document, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: LTV/CLTV : LTV 80% exceeds maximum guidelines LTV 75%.<br>A copy of an exception approval letter is available in the loan file. | FICO: 739 FICO exceeds the guideline requirement of 720.<br>Residual Income : $86,075.85 monthly <br>DTI: 33.36% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Cash Out | 739 |  | XXXX | 5.25 | $129164.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 33.359% |  | Alternative | QC Complete | 12/08/2025 |
| 502 | XXXX | XXXX |  | XXXX | Montana | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception for FTHB living rent free - B1 XXXX living rent free prior to February 2025 (prior to renting with B2).<br>A copy of an exception approval letter is available in the loan file. | FICO: 750 FICO exceeds the guideline requirement of 740.<br>DTI: 42.08% DTI is less than the maximum guideline requirement of 50.00%.<br>| Single Family | XX/XX/XXXX | 79.592% | 79.592% | Primary | Purchase | 750 |  | XXXX | 3.92 | $3421.84 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.081% | Yes | Alternative | QC Complete | 12/19/2025 |
| 508 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 758 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/24/2025 |
| 512 | XXXX | XXXX |  | XXXX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 58.140% | 58.140% | Investor | Cash Out | 729 |  |  |  | $10684.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 35.186% |  | Alternative | QC Complete | 12/16/2025 |
| 514 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 719 |  | XXXX | 24.75 | $120223.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.624% | No | Alternative | QC Complete | 12/10/2025 |
| 518 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 739 |  | XXXX | 37 | $16726.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 43.662% | No | Full Documentation | QC Complete | 12/16/2025 |
| 519 | XXXX | XXXX |  | XXXX | Georgia | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 63.596% | 63.596% | Investor | Refinance | 796 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/11/2025 |
| 524 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 742 | 2.83 | XXXX | 6 | $46251.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 20.410% |  | Alternative | QC Complete | 11/25/2025 |
| 527 | XXXX | XXXX |  | XXXX | Ohio | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 52.000% | 52.000% | Investor | Cash Out | 730 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/16/2025 |
| 528 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide a copy of updated appraisal report mentioning Flood zone as yes , As per Appraisal in file doesn't show flood zone as yes .<br>Resolved 12/11/2025 - Received corrected Appraisal report, condition resolved.<br>\*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 12/03/2025: Received Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared.<br>\*\*\* (CURED) DTI > 50% - EV R<br> COMMENT: After adding the correct HOA amount of $809.31 and the taxes and insurance for XXXX DTI should be 25.96/52.45<br>Resolved 12/10/2025 - Received LOX from the client as " HOA association dues are only $584.24 and added 166.08 assessment is shows in budget , condition resolved.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.406% Allowed 7.740% Overby +0.666%<br>This loan is compliant with regulation 1026.35. |  |  | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 759 |  | XXXX | 0.16 | $9546.59 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.962% | No | Full Documentation | QC Complete | 11/28/2025 |
| 534 | XXXX | XXXX |  | XXXX | Utah | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Property year built in XXXX, provide a copy of lead-base paint document as it is missing.<br>12/23/2025 Resolved: The copy of LOX resolves the condition. |  |  | Single Family | XX/XX/XXXX | 62.475% | 62.475% | Primary | Refinance | 742 | 1.5 | XXXX | 2.83 | $27188.49 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.609% |  | Alternative | QC Complete | 01/28/2026 |
| 536 | XXXX | XXXX |  | XXXX | Utah | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 754 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/21/2025 |
| 538 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 764 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 07/02/2025 |
| 540 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 724 |  | XXXX | 5 | $89453.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.556% | No | Alternative | QC Complete | 12/04/2025 |
| 545 | XXXX | XXXX |  | XXXX | Hawaii | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Cash Out | 807 | 2.08 | XXXX | 29.16 | $24873.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 45.424% |  | Alternative | QC Complete | 12/08/2025 |
| 546 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Loan files does not meet guide requirement. As per guidelines 50% DTI allowed. However, Calculated DTI is 51.09%<br>A copy of an exception approval letter is available in the loan file. | FICO: 783 FICO exceeds the guideline requirement of 720.<br>LTV: 52.036% LTV is less than the guideline requirement of 90.00%.<br>| PUD | XX/XX/XXXX | 52.037% | 52.037% | Primary | Refinance | 783 | 0.83 | XXXX | 3.83 | $16900.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 51.091% |  | Full Documentation | QC Complete | 01/27/2026 |
| 548 | XXXX | XXXX |  | XXXX | Illinois | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>Resolved 12/11/2025 - Received client response " Rental comparable were also used as sale comparable. Photos of all properties are included in the appraisal", condition resolved. |  |  | 3 Family | XX/XX/XXXX | 84.388% | 84.388% | Investor | Purchase | 791 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/05/2025 |
| 549 | XXXX | XXXX |  | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 74.889% | 74.889% | Investor | Purchase | 794 |  | XXXX | 24.58 | $15506.56 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.842% | No | Full Documentation | QC Complete | 12/11/2025 |
| 550 | XXXX | XXXX |  | XXXX | Oregon | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a copy of Borrower(XXXX) identity document.<br>Resolved 12/24/2025 - Received GOV ID, condition resolved. |  |  | Single Family | XX/XX/XXXX | 74.943% | 74.943% | Primary | Cash Out | 704 | 32.67 | XXXX | 27.83 | $31218.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 40.837% |  | Alternative | QC Complete | 12/05/2025 |
| 552 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 783 | 1 | XXXX | 5.08 | $10430.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 36.871% |  | Alternative | QC Complete | 12/19/2025 |
| 553 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 792 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/24/2025 |
| 557 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of page 12 of the Final 1003.<br>Resolved 12/18/2025 - Received Page 12, condition resolved. |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 755 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/15/2025 |
| 559 | XXXX | XXXX |  | XXXX | Illinois | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.062% Allowed 7.660% Overby +0.402%.<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 724 |  | XXXX | 4.75 | $9011.44 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.381% | Yes | Alternative | QC Complete | 12/16/2025 |
| 560 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.712% Allowed 7.660% Overby +0.052%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The mortgage statement for the property at XXXX is available; however, the payment is not reflected in the REO section. Please provide a copy of the payoff statement.<br>Resolved 12/9/2025 - Received LOX as this property mortgage is not in the borrowers name, condition resolved. | \*\*\* (WAIVED) CLTV exceeds guidelines - EV W<br> COMMENT: A CLTV of 75% exceeds the guideline, as the maximum allowable LTV/CLTV for a FICO score of 676 is 70%.<br>A copy of an exception approval letter has been received.<br>\*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception requested for FTHB living rent free for >12 months.<br>A copy of an exception approval letter is available in the loan file. | FICO: 676 FICO exceeds the guideline requirement of 640.<br>DTI: 30.83% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 676 FICO exceeds the guideline requirement of 640.<br>LTV: 75.00% LTV is less than the guideline requirement of 80.00%.<br>DTI: 30.83% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 676 |  | XXXX | 6.17 | $23996.60 | Mos Reviewed:24<br> Times 1X30:1<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.825% | No | Alternative | QC Complete | 01/28/2026 |
| 562 | XXXX | XXXX |  | XXXX | Arizona | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 58.824% | 58.824% | Primary | Cash Out | 786 | 15 |  |  | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 27.431% |  | Alternative | QC Complete | 11/20/2025 |
| 566 | XXXX | XXXX |  | XXXX | Alaska | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 12/04/2025: Received Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 766 |  |  |  | $4181.31 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.770% | No | Alternative | QC Complete | 11/28/2025 |
| 568 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 79.769% | 79.769% | Investor | Purchase | 757 |  | XXXX | 12.33 | $45816.71 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.991% | No | Alternative | QC Complete | 11/21/2025 |
| 569 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 784 |  | XXXX | 10.83 | $8223.11 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.839% | No | Alternative | QC Complete | 12/11/2025 |
| 571 | XXXX | XXXX |  | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 772 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/08/2025 |
| 573 | XXXX | XXXX |  | XXXX | Georgia | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 53.488% | 53.488% | Primary | Purchase | 745 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/05/2025 |
| 574 | XXXX | XXXX |  | XXXX | Washington D.C. | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br>Resolved 12/12/2025 - Received title insured amount, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Appraisal : condo under 500SF <br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.10 DSCR exceeds the guideline requirement of 0.50.<br>FICO: 751 FICO exceeds the guideline requirement of 660.<br>LTV: 70.00% LTV is less than the guideline requirement of 85.00%.<br>| High Rise Condo (>=9 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 751 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/04/2025 |
| 577 | XXXX | XXXX |  | XXXX | Tennessee | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Provide a copy of subject street scene picture, as its missing in appraisal report.<br>Resolved 12/11/2025 - Received appraisal street scene picture, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Income - Exception requested to accept bank statements for the borrower's self-employed income qualification which were previously titled in the name of a non-borrower, now titled in the name of the borrower's business.<br>A copy of an exception approval letter is available in the loan file. | FICO: 752 FICO exceeds the guideline requirement of 640.<br> DTI: 19.72% DTI is less than the maximum guideline requirement of 50.00%. | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 752 |  | XXXX | 7.58 | $34282.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.721% | No | Alternative | QC Complete | 12/04/2025 |
| 582 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 69.834% | 69.834% | Primary | Purchase | 762 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/20/2025 |
| 586 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 34.694% | 34.694% | Primary | Cash Out | 769 | 2 | XXXX | 8.83 | $31850.99 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 36.705% |  | Alternative | QC Complete | 12/05/2025 |
| 587 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Please provide supporting documentation to verify the $62.00 'Other Expenses' not included in the loan file.<br>Resolved 12/30/2025 - Received LOX, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a valid government-issued ID to verify the borrower's identity.<br>Resolved 12/23/2025 - Received GOV ID, condition resolved. |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 802 |  | XXXX | 2.75 | $8694.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.868% | No | Alternative | QC Complete | 12/11/2025 |
| 588 | XXXX | XXXX |  | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 758 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/08/2025 |
| 590 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Borrower is a XXXX, filing Sch C, and does not have a YTD Balance Sheet.<br>A copy of an exception approval letter is available in the loan file. | FICO: 754 FICO exceeds the guideline requirement of 720.<br>DTI: 42.21% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 79.98% LTV is less than the guideline requirement of 85.00%. | 4 Family | XX/XX/XXXX | 79.980% | 79.980% | Investor | Purchase | 754 |  | XXXX | 12.83 | $9710.86 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.210% | No | Full Documentation | QC Complete | 12/09/2025 |
| 591 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing required 1-4 family rider - EV R<br> COMMENT: Provide a copy of missing 1-4 Family Rider and Entity Borrower Rider.<br>Resolved 12/30/2025 - Received rider documents, condition resolved. |  |  | 3 Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 813 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/23/2025 |
| 594 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 65.000% | 65.000% | Primary | Purchase | 752 |  | XXXX | 5.41 | $9739.83 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.032% | Yes | Alternative | QC Complete | 12/11/2025 |
| 599 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/23/2025 - Received title insured amount, condition resolved. |  |  | Single Family | XX/XX/XXXX | 77.102% | 77.102% | Primary | Cash Out | 707 | 5.25 | XXXX | 4.42 | $20987.85 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 39.653% |  | Alternative | QC Complete | 12/08/2025 |
| 604 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/12/2025 - Received title insured amount, condition resolved. |  |  | Single Family | XX/XX/XXXX | 67.421% | 67.421% | Primary | Refinance | 753 | 0.67 | XXXX | 8.83 | $33628.43 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.951% |  | Alternative | QC Complete | 12/09/2025 |
| 605 | XXXX | XXXX |  | XXXX | Nevada | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Excessive DTI - EV R<br> COMMENT: Please provide evidence to support the exclusion of XXXX<br>Resolved 12/2/2025 - Received payoff proof, condition resolved.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Please correct the 1003 for borrower XXXX The current address indicates that he owns the property, but the primary housing expense is listed as "None."0<br>Resolved 12/01/2025 - Received corrected 1003, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Required Mortgage statement for Property address "XXXX"<br>Resolved 12/2/2025 - Received closing disclosure for property with P&I, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Occupant borrower is required to have income with a non occupant co-borrower. No income is being used for the occupant borrower.<br>A copy of an exception approval letter is available in the loan file.<br>\*\*\* (WAIVED) Required Documentation Missing or Incomplete - EV W<br> COMMENT: Total exposure $4801000 when $3500000 is allowed - other loan is XXXX<br>A copy of an exception approval letter is available in the loan file. | Reserves: The 40 months of available reserves are more than the guideline requirement of 8 months.<br>LTV: 64.15% LTV is less than the guideline requirement of 85.00%.<br>DTI: 17.07% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 40 months of available reserves are more than the guideline requirement of 8 months.<br>LTV: 64.15% LTV is less than the guideline requirement of 85.00%.<br>DTI: 17.07% DTI is less than the maximum guideline requirement of 50.00%. | PUD | XX/XX/XXXX | 64.150% | 64.150% | Primary | Refinance | 742 | 2 |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.072% |  | Alternative | QC Complete | 01/28/2026 |
| 608 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Reserves - Requesting exception to waive reserves on SELF rate/term refinance primary home. 1 of the payments from October 2024 (prior loan) was IO on a construction loan so dependent on draw amount and was not fixed<br>A copy of an exception approval letter is available in the loan file. | FICO: 773 FICO exceeds the guideline requirement of 640.<br>Residual income: $12,484.46 Monthly | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Refinance | 773 | 2.5 | XXXX | 12.42 | $20104.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.851% |  | Alternative | QC Complete | 12/19/2025 |
| 609 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 773 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/10/2025 |
| 250 | XXXX | XXXX | XXXX | XXXX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br>Resolved 12/9/2025 - Received title insured amount, condition resolved. |  |  | 3 Family | XX/XX/XXXX | 76.265% | 76.265% | Investor | Refinance | 745 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/02/2025 |
| 612 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 724 |  | XXXX | 3.91 | $20470.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.609% | No | Alternative | QC Complete | 12/19/2025 |
| 614 | XXXX | XXXX |  | XXXX | Massachusetts | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets do not meet guidelines - EV R<br> COMMENT: The XXXX Bank personal statement CD does not indicate a date, so the balance cannot be verified.<br>Resolved 12/12/2025 - Received bank balance LOX, condition resolved. |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 798 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/09/2025 |
| 615 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide a copy of Rental comparables photos in appraisal report as it is missing<br>Resolved 12/11/2025 - Received rental comparable, condition resolved. |  |  | Single Family | XX/XX/XXXX | 67.652% | 67.652% | Investor | Refinance | 703 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/04/2025 |
| 617 | XXXX | XXXX |  | XXXX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 77.429% | 77.429% | Primary | Refinance | 778 | 1.41 | XXXX | 4.66 | $14583.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.695% |  | Full Documentation | QC Complete | 11/26/2025 |
| 618 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copies of the proof of omission for the following liability accounts:<br>1)XXXX Balance :$503 Payment $40<br> 2)XXXX Balance :$28,901 Payment $249<br>Not resolved 11/24/2025 - Required proof of documentation or credit supplement to reflect the payment of liabilities, condition not resolved.<br>Resolved 12/4/2025 - Received LOX as both the accounts are duplicates and it is open in credit, condition resolved. |  |  | PUD | XX/XX/XXXX | 58.065% | 58.065% | Secondary | Refinance | 728 |  | XXXX | 8.58 | $146261.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.141% |  | Alternative | QC Complete | 11/11/2025 |
| 621 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 77.617% | 77.617% | Primary | Cash Out | 714 | 10.08 |  |  | $3611.87 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.477% |  | Alternative | QC Complete | 12/05/2025 |
| 627 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Refinance | 785 | 5 | XXXX | 7.83 | $16069.94 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.717% |  | Alternative | QC Complete | 12/05/2025 |
| 630 | XXXX | XXXX |  | XXXX | Indiana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 746 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/09/2025 |
| 632 | XXXX | XXXX |  | XXXX | Montana | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 60.000% | 60.000% | Secondary | Purchase | 800 |  | XXXX | 16.41 | $46725.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.358% | No | Full Documentation | QC Complete | 11/25/2025 |
| 637 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 52.174% | 52.174% | Primary | Cash Out | 781 | 0.66 | XXXX | 12.83 | $4110.95 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 38.532% |  | Full Documentation | QC Complete | 11/26/2025 |
| 639 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 760 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/04/2025 |
| 642 | XXXX | XXXX |  | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 763 |  | XXXX | 5.58 | $475258.84 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 2.963% | No | Alternative | QC Complete | 11/25/2025 |
| 649 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the tax sheet for the subject property.<br>Resolved 12/15/2025 - Received tax document, condition resolved. |  |  | Single Family | XX/XX/XXXX | 72.000% | 72.000% | Investor | Purchase | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/10/2025 |
| 650 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 772 |  |  |  | $11838.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.892% | No | Alternative | QC Complete | 11/28/2025 |
| 653 | XXXX | XXXX |  | XXXX | Washington | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 71.619% | 71.619% | Primary | Cash Out | 733 | 16.41 | XXXX | 6.83 | $12395.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 38.421% |  | Full Documentation | QC Complete | 11/26/2025 |
| 656 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 778 |  | XXXX | 24.5 | $6383.54 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.963% | Yes | Alternative | QC Complete | 12/04/2025 |
| 661 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 762 |  | XXXX | 15.08 | $17439.71 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.630% | Yes | Alternative | QC Complete | 12/11/2025 |
| 662 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/3/2025 - Received title insured amount, condition resolved. |  |  | PUD | XX/XX/XXXX | 65.000% | 65.000% | Primary | Refinance | 762 | 1.33 | XXXX | 4.16 | $12190.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.797% |  | Alternative | QC Complete | 11/26/2025 |
| 665 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 745 |  | XXXX | 29 | $26323.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.979% | No | Alternative | QC Complete | 12/09/2025 |
| 667 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 12/30/2025 - Received title policy, condition resolved. |  |  | PUD | XX/XX/XXXX | 50.000% | 50.000% | Primary | Purchase | 809 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 11/11/2025 |
| 670 | XXXX | XXXX |  | XXXX | Idaho | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 741 |  | XXXX | 12.25 | $10083.34 | Mos Reviewed:24<br> Times 1X30:1<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.442% | No | Full Documentation | QC Complete | 12/04/2025 |
| 671 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 741 |  | XXXX | 5.83 | $59554.46 | Mos Reviewed:24<br> Times 1X30:1<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:1<br> Max Days Dlq Last 12 Mos:30<br> Verification Type:Credit Report |  | 29.610% | No | Alternative | QC Complete | 12/09/2025 |
| 672 | XXXX | XXXX |  | XXXX | Arizona | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 762 |  | XXXX | 2.5 | $17639.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.208% |  | Alternative | QC Complete | 12/05/2025 |
| 674 | XXXX | XXXX |  | XXXX | Texas | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/19/2025 |
| 675 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: The flood certification shows the property is located in a Special Flood Hazard Area ("Yes"), while the appraisal reports it as not being in a Special Flood Hazard Area ("No"). A correction to the appraisal report is required.<br>Resolved 12/22/2025 - Received corrected appraisal, condition resolved.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation<br>Higher-Priced Mortgage Loan Test: Charged 8.037% Allowed 7.740% Overby +0.29<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of borrower settlement statement / Seller settlement statement. Property (XXXX) is currently reflected as Pending Sale.<br>Resolved 12/11/2025 - Received seller CD for the pending sale property, condition resolved. |  |  | Single Family | XX/XX/XXXX | 28.800% | 28.800% | Primary | Purchase | 667 |  | XXXX | 1.25 | $10416.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.304% | No | Full Documentation | QC Complete | 12/04/2025 |
| 677 | XXXX | XXXX |  | XXXX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 745 |  | XXXX | 2.17 | $37979.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.603% | No | Alternative | QC Complete | 12/11/2025 |
| 678 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 811 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 11/25/2025 |
| 681 | XXXX | XXXX |  | XXXX | Georgia | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Prepayment Rider Missing - EV R<br> COMMENT: Provide a copy of prepayment rider as it is missing.<br>Resolved 12/5/2025 - Received PPP rider, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 771 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/02/2025 |
| 682 | XXXX | XXXX |  | XXXX | Minnesota | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 726 |  | XXXX | 5.33 | $32441.21 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.573% | No | Alternative | QC Complete | 11/26/2025 |
| 685 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 759 |  | XXXX | 0.25 | $9511.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.770% | Yes | Full Documentation | QC Complete | 11/25/2025 |
| 688 | XXXX | XXXX |  | XXXX | Tennessee | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 39.560% | 39.560% | Primary | Cash Out | 697 | 23 | XXXX | 13.25 | $16726.54 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 28.617% |  | Alternative | QC Complete | 12/19/2025 |
| 690 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 12/18/2025: Received Initial Closing Disclosure dated 11/13/2025 and exception is cleared.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide an updated Deed of Trust showing the full 18-digit MIN/MERS number; the current version lists only 17 digits.<br>Resolved 12/11/2025 - Received DOT with 18 digit MIN, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: 6 NSFs in current 12mth period; borrower has 17 along with a 1x30 dated 12/2023 due to servicing transfer per LOX provided<br>A copy of an exception approval letter is available in the loan file. | LTV: 51.48% LTV is less than the guideline requirement of 70.00%.<br>DTI: 42.26% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 729 FICO exceeds the guideline requirement of 640.<br>| 2 Family | XX/XX/XXXX | 51.481% | 51.481% | Primary | Cash Out | 729 | 3.75 | XXXX | 3.66 | $16337.51 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 42.261% |  | Alternative | QC Complete | 12/05/2025 |
| 691 | XXXX | XXXX |  | XXXX | Mississippi | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 44.752% | 44.752% | Primary | Purchase | 777 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/20/2025 |
| 696 | XXXX | XXXX |  | XXXX | North Carolina | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX/XX/XXXX | 74.427% | 74.427% | Investor | Cash Out | 759 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | DSCR | QC Complete | 11/20/2025 |
| 697 | XXXX | XXXX |  | XXXX | Pennsylvania | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.306% Allowed 7.660% Overby +0.646%.<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Bank statement for the month of April 2025-May 2025. XXXX.<br>Resolved 11/28/2025 - Received bank statement for April month, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 664 |  | XXXX | 2.83 | $18583.53 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.900% | No | Alternative | QC Complete | 11/24/2025 |
| 698 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 72.381% | 72.381% | Primary | Cash Out | 700 | 6.58 | XXXX | 26.5 | $10910.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 36.674% |  | Full Documentation | QC Complete | 12/16/2025 |
| 700 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 801 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/26/2025 |
| 702 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Purchase | 794 |  | XXXX | 30 | $38757.19 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.977% | No | Alternative | QC Complete | 11/28/2025 |
| 703 | XXXX | XXXX |  | XXXX | Nevada | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 74.827% | 74.827% | Investor | Cash Out | 763 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/09/2025 |
| 704 | XXXX | XXXX |  | XXXX | Oregon | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 737 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/25/2025 |
| 707 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 753 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/05/2025 |
| 710 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: EAD Card is expired. <br>A copy of an exception approval letter is available in the loan file. The borrower is eligible for automatic extension per the clause on their form I-797C application for employment authorization which was submitted prior to the card expiration date. This application can be shown with the card for employment authorization. | FICO: 742 FICO exceeds the guideline requirement of 700.<br>DTI: 33.48% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months. | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 742 |  | XXXX | 15.16 | $7051.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.478% | Yes | Alternative | QC Complete | 12/10/2025 |
| 714 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Closing Protection Letter - EV R<br> COMMENT: The closing protection letter in the file is missing the required complete lender loss payee clause for the new lender. Missing "ISAOA/ATIMA". An updated copy should be provided to satisfy the requirement.<br>Resolved 12/4/2025 - Received LOX as the CPL ISOA is not required for Texas state, condition resolved.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The hazard insurance policies in the loan file are insufficient to satisfy requirements. The policy on pg#476 lists the incorrect property address for the subject property. The policy on pg#479 lists the effective date of changes for the subject transaction as 10/30/2025 and the note date / COE date is 10/29/2025 therefore it was not active on the date of close which is not acceptable. An updated policy should be provided to show the policy was effective on the date of close matching the note date or prior to.<br>Resolved 12/11/2025 - HOI effective date is covering the funding date, condition resolved.<br>\*\*\* (CURED) Letter of explanation needed for the file - EV R<br> COMMENT: The letters of explanation in the loan file on pg's#43-54 & 59-80, and 119-125 are missing signatures from the provider of the letters. The letters of explanation should have been signed either prior to or at close of escrow.<br>Resolved 11/19/2025 - Received lender LOX as " The letters referenced are letter templates that would be used by the HomeownerAssociation when needed. They are not referencing any specific property, condition not resolved.<br>\*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: Provide a copy of 1004D Appraisal report having Loose tiles in Bath 2, Example of cosmetic dry wall cracks left over from previous foundation damage, Cosmetic dry wall cracks left over from previous foundation damage, Missing interior door to utility room, Damaged transition piece, Missing transition piece, Missing light fixture in dining room, Missing transition piece and damaged laminate flooring, Damaged laminate flooring, Missing light fixture at nook, Small portion of missing exterior trim, Subject foundation recently repaired, damaged ceiling texture, Missing switch cover, Missing switch cover, Missing outlet cover, Drywall damage, Missing drawer face in Bath2 vanity.<br>Resolved 11/19/2025 - Received foundation repairs acknowledgment, condition resolved. |  |  | PUD | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 756 |  | XXXX | 12.58 | $9411.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.216% | No | Alternative | QC Complete | 11/14/2025 |
| 716 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 729 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/28/2025 |
| 719 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.227% Allowed 7.760% Overby +0.467%.<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 88.000% | 88.000% | Primary | Purchase | 738 |  | XXXX | 1.83 | $11079.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.076% | Yes | Alternative | QC Complete | 12/11/2025 |
| 720 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Cash Out | 778 |  | XXXX | 5.75 | $36064.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 45.962% |  | Alternative | QC Complete | 12/08/2025 |
| 722 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: Appraisal Report reflecting appraisal value as $XXXX with LTV as 58.10% . All other closing documents reflecting appraisal value as $XXXX (1008 , loan scorecard , final 1003) with LTV 50.86%.<br>Resolved 12/16/2025 - Received updated 1008 and loan score card, condition resolved. |  |  | Single Family | XX/XX/XXXX | 58.100% | 58.100% | Investor | Refinance | 703 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 12/09/2025 |
| 724 | XXXX | XXXX |  | XXXX | Tennessee | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 758 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/10/2025 |
| 731 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Closing Protection Letter - EV R<br> COMMENT: The Closing protection letter is missing the complete lender loss payee verbiage required for closing. Missing "ISAOA/ATIMA".<br>Resolved 12/4/2025 - Received LOX as the CPL ISOA is not required for Texas state, condition resolved. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Refinance | 725 | 2 | XXXX | 7.08 | $9669.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.345% |  | Alternative | QC Complete | 11/24/2025 |
| 732 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide supporting documentation to verify the $33.33 listed in the "other" component of the PITI on the application.<br>Resolved 12/15/2025 - Received LOX from client " HOA dues $400/ year is added as an conservative approach to discrepancy in information, condition resolved. |  |  | Single Family | XX/XX/XXXX | 67.320% | 67.320% | Secondary | Purchase | 782 |  | XXXX | 1.08 | $185226.44 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.325% | No | Alternative | QC Complete | 12/05/2025 |
| 734 | XXXX | XXXX |  | XXXX | Florida | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 762 |  | XXXX | 10.66 | $22705.72 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.602% | No | Alternative | QC Complete | 12/10/2025 |
| 735 | XXXX | XXXX |  | XXXX | California | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide the missing XXXX Business Checking account statements for accounts ending in XXXX and XXXX for XXXX, covering February 2023, November 2023, and October 2024 through June 2025.<br>Resolved 1/7/2026 - Received bank statement for Nov 2023 and Oct 2024 and June 2025, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 808 |  | XXXX | 2.75 | $84459.05 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.325% | No | Alternative | QC Complete | 12/11/2025 |
| 736 | XXXX | XXXX |  | XXXX | Washington | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: This is a refinance of a primary residence. Per guidelines, required reserves are $182,008.50 (calculated as $12,133.90 PITIA × 15 months). <br>Verified reserves in the total $167,812.01.<br>XXXX = $33,941.39<br> XXXX = $46,475.00<br> XXXX&nbsp;&nbsp;&nbsp;&nbsp; = $50,712.88<br> XXXX&nbsp;&nbsp;&nbsp;&nbsp; = $36,682.75&nbsp;&nbsp;&nbsp;&nbsp; <br>Provide satisfactory evidence of reserves in the amount of $14,196.49.<br>Not Resolved 12/01/2025: The received asset worksheet does not resolve the condition. The borrower owns a total of 13 REO properties. Per guideline requirements, 15 months of reserves are needed, totaling $182,008.50. The borrower has verified assets of $167,812.01, resulting in a reserve shortfall of $14,196.49.<br>Resolved 12/16/2025: Resolved as current reserves are calculated at 6 months of subject PITIA and 2 months for all other open mortgages. 15 months reserves on PITIA is NOT required. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The total of NRZ loans with current transactions is $4,118,353 which is more than $3.5 million maximum<br>A copy of an exception approval letter is available in the loan file. | FICO: 723 FICO exceeds the guideline requirement of 700.<br>DTI: 17.927% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 67.55% LTV is less than the guideline requirement of 80.00%.<br>| Single Family | XX/XX/XXXX | 67.550% | 67.550% | Primary | Refinance | 723 | 1.5 | XXXX | 2.66 | $293115.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.927% |  | Alternative | QC Complete | 01/27/2026 |
| 737 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 12/16/2025: Received Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. |  |  | Single Family | XX/XX/XXXX | 67.002% | 67.002% | Primary | Refinance | 785 | 2 | XXXX | 8.83 | $9266.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.855% |  | Alternative | QC Complete | 12/02/2025 |
| 738 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Appraisal - Exception to use the higher value of two appraisals received. <br>A copy of an exception approval letter is available in the loan file. | FICO: 746 FICO exceeds the guideline requirement of 700.<br> Residual income: $109,175.51 Months<br>| PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 746 | 1.16 | XXXX | 3.33 | $124633.37 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 12.403% |  | Alternative | QC Complete | 11/26/2025 |
| 739 | XXXX | XXXX |  | XXXX | Michigan | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Provide updated Appraisal, Hazard insurance & Title commitment with change in city name from XXXX to XXXX city which is matching the Note and Mortgage.<br>Resolved 12/18/2025 - Received corrected appraisal, condition resolved. |  |  | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 778 |  | XXXX | 4.5 | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.848% | No | Full Documentation | QC Complete | 12/11/2025 |
| 744 | XXXX | XXXX |  | XXXX | Michigan | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 781 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/24/2025 |
| 745 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: The Loan Calculations section on page 5 of the Final Closing Disclosure is missing. Provide the complete 5-page Final Closing Disclosure.<br>Not Resolved 12/03/2025: Received Final Closing Disclosure, but 5th page Loan calculations details are blank.<br>Resolved 12/09/2025: Received Final Closing Disclosure dated XX/XX/XXXX and exception is cleared. |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 712 |  | XXXX | 4.5 | $16094.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:3<br> Verification Type:Credit Report |  | 36.087% | Yes | Alternative | QC Complete | 11/26/2025 |
| 748 | XXXX | XXXX |  | XXXX | Utah | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 752 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/16/2025 |
| 752 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/12/2025 - Received title insured amount, condition resolved.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.940% Allowed 7.670% +Overby 1.270%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 65.000% | 65.000% | Primary | Cash Out | 647 | 5.16 |  |  | $1153.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 47.102% |  | Alternative | QC Complete | 12/09/2025 |
| 756 | XXXX | XXXX |  | XXXX | Missouri | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.929% Allowed 7.810% Overby +0.119%.<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 69.768% | 69.768% | Primary | Cash Out | 661 | 9 | XXXX | 3.25 | $5205.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 46.258% |  | Alternative | QC Complete | 12/05/2025 |
| 761 | XXXX | XXXX |  | XXXX | Wisconsin | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Initial LE - EV R<br> COMMENT: Missing Initial Loan Estimate.<br>Resolved 11/21/2025: Received Initial Loan Estimate dated 09/24/2025 and exception is cleared. |  |  | Single Family | XX/XX/XXXX | 74.510% | 74.510% | Primary | Cash Out | 783 | 5 | XXXX | 2.08 | $11770.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 21.025% |  | Alternative | QC Complete | 11/13/2025 |
| 764 | XXXX | XXXX |  | XXXX | South Carolina | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 734 |  | XXXX | 4.83 | $72060.92 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.820% | No | Alternative | QC Complete | 11/20/2025 |
| 765 | XXXX | XXXX |  | XXXX | Hawaii | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Appraisal condotel less than 500 SF and no bedrooms <br>A copy of an exception approval letter is available in the loan file. | FICO: 758 FICO exceeds the guideline requirement of 720.<br>LTV: 75.00% LTV is less than the guideline requirement of 85.00%.<br>DSCR: 1.17 DSCR exceeds the guideline requirement of 1.00. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 758 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/12/2025 |
| 766 | XXXX | XXXX |  | XXXX | New Jersey | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: EAD/Visa/Green Card: Requesting exception to permit EAD with category C09<br>A copy of an exception approval letter is available in the loan file. | FICO: 705 FICO exceeds the guideline requirement of 700.<br>DTI: 33.98% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 12 months of available reserves are more than the guideline requirement of 3 months. | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 705 | 4.41 | XXXX | 1.83 | $15603.40 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 33.984% |  | Alternative | QC Complete | 12/15/2025 |
| 771 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 66.738% | 66.738% | Primary | Refinance | 758 | 1.92 | XXXX | 12.58 | $15489.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.450% |  | Alternative | QC Complete | 12/16/2025 |
| 774 | XXXX | XXXX |  | XXXX | Missouri | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 737 |  | XXXX | 2.33 | $16607.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.867% | Yes | Alternative | QC Complete | 11/14/2025 |
| 775 | XXXX | XXXX |  | XXXX | Colorado | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XXXX, however, the Note reflects a loan amount of $XXXX<br>Resolved 12/17/2025 - Received title insured amount, condition resolved. | \*\*\* (WAIVED) Excessive DTI - EV W<br> COMMENT: Loan files do not meet guideline requirements. However, the exception approval letter is available in the loan file. Allow DTI 52% on rate & term refinance.<br>A copy of an exception approval letter is available in the loan file. | LTV: 79.04% LTV is less than the guideline requirement of 90.00%.<br>FICO: 801 FICO exceeds the guideline requirement of 720. | Single Family | XX/XX/XXXX | 79.043% | 79.043% | Primary | Refinance | 801 | 1.5 | XXXX | 6.75 | $16565.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 51.451% |  | Alternative | QC Complete | 01/27/2026 |
| 776 | XXXX | XXXX |  | XXXX | Florida | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 60.000% | 60.000% | Primary | Purchase | 810 |  | XXXX | 15.83 | $7618.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.579% | Yes | Alternative | QC Complete | 11/26/2025 |
| 779 | XXXX | XXXX |  | XXXX | New York | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX/XX/XXXX | 60.000% | 60.000% | Investor | Cash Out | 682 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 11/11/2025 |
| 780 | XXXX | XXXX |  | XXXX | Oregon | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 723 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/08/2025 |
| 783 | XXXX | XXXX |  | XXXX | Maryland | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.048% Allowed 7.740% Overby +0.308%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).<br>MD COMAR Higher-Priced Mortgage Loan Test: Charged 8.048% Allowed 7.740% Overby +0.308%<br>This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Credit: Housing Payment History - Borrower is FTHB living rent free in family home<br>A copy of an exception approval letter is available in the loan file. | FICO: 780 FICO exceeds the guideline requirement of 720.<br>Reserves: The 16 months of available reserves are more than the guideline requirement of 3 months. | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 782 |  | XXXX | 12.66 | $146901.44 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 3.947% | Yes | Alternative | QC Complete | 11/26/2025 |
| 784 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: There is no evidence of the required Flood Insurance for the subject property found in the loan file. A copy of a valid Flood insurance policy Is required to be in the file and effective date must be on or before the close of escrow / note date.<br>Resolved 11/21/2025 - Received insurance covering with the Note date, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: According to FEMA, The subject property IS located in a Flood Zone. When the subject property is located in a Flood zone, the requirement is to document the borrowers acknowledgment with a borrower signed copy of The Flood certification document (Dated prior to or on the date of close / note date). \*A signed copy of the subject's Flood cert is not found in the loan file & is required.<br>Resolved 11/21/2025 - Received Flood disclosure with signature, condition resolved. |  |  | PUD | XX/XX/XXXX | 50.000% | 50.000% | Primary | Purchase | 760 |  | XXXX | 0.67 | $15073.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.222% | No | Full Documentation | QC Complete | 01/27/2026 |
| 785 | XXXX | XXXX |  | XXXX | New Jersey | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 702 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 12/16/2025 |
| 786 | XXXX | XXXX |  | XXXX | New York | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.950% Allowed 8.670% Overby +0.280%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 713 |  | XXXX | 3.66 | $30797.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.010% | Yes | Alternative | QC Complete | 12/11/2025 |
| 790 | XXXX | XXXX |  | XXXX | Ohio | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 729 |  | XXXX | 2.33 | $2710.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.628% | No | Alternative | QC Complete | 11/26/2025 |
| 791 | XXXX | XXXX |  | XXXX | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 50.000% | 50.000% | Investor | Cash Out | 755 |  | XXXX | 7.66 | $1336744.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 0.915% |  | Alternative | QC Complete | 11/26/2025 |
| 792 | XXXX | XXXX |  | XXXX | Texas | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 809 |  | XXXX | 2.83 | $26839.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 10.405% | No | Alternative | QC Complete | 12/11/2025 |
| 795 | XXXX | XXXX |  | XXXX | Massachusetts | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 45.000% | 45.000% | Primary | Purchase | 793 |  | XXXX | 5.83 | $34550.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.093% | No | Alternative | QC Complete | 11/12/2025 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| 1 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | AEOGH5J4D5I-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.955% Allowed 8.790% Overby +0.165%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/03/2025 | 12/03/2025 | 12/03/2025 | 12/02/2025 |
| 3 | XXXX | XXXX |  | XXXX | Washington | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | WEXE0QSWPXV-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide Personal Guaranty, as it is missing.<br>Resolved 12/5/2025 - Received Personal guaranty document, condition resolved. | Resolved 12/5/2025 - Received Personal guaranty document, condition resolved. | Resolved 12/5/2025 - Received Personal guaranty document, condition resolved. |  |  | QC Complete | 08/04/2025 | 12/05/2025 | 12/05/2025 | 08/01/2025 |
| 10 | XXXX | XXXX |  | XXXX | Missouri | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 5DYL3MIGCU3-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.258% Allowed 8.130% Overby +0.128%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 10/23/2025 | 10/23/2025 | 10/23/2025 | 10/22/2025 |
| 10 | XXXX | XXXX |  | XXXX | Missouri | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | 5DYL3MIGCU3-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing Loan scorecard.<br>Resolved 1/6/2025 - Received loan score card, condition resolved. | Resolved 1/6/2025 - Received loan score card, condition resolved. | Resolved 1/6/2025 - Received loan score card, condition resolved. |  |  | QC Complete | 10/23/2025 | 01/06/2026 | 01/06/2026 | 10/22/2025 |
| 21 | XXXX | XXXX |  | XXXX | Connecticut | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | GYOUCHS2WGX-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the lease agreement for the property at XXXX, as it is missing.<br>Resolved 12/18/2025 - Received lease agreement for property, condition resolved. | Resolved 12/18/2025 - Received lease agreement for property, condition resolved. | Resolved 12/18/2025 - Received lease agreement for property, condition resolved. |  |  | QC Complete | 10/10/2025 | 12/18/2025 | 12/18/2025 | 10/09/2025 |
| 22 | XXXX | XXXX |  | XXXX | Tennessee | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | JJEH5RVDVRV-UTM9VHCU | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | The current address on page 1 of the final 1003 lists the address as XXXX<br>Resolved 11/28/2025 - the borrower does currently live at XXXX, He's been living there 2 months rent free while XXXX is being built, Condition resolved. | Resolved 11/28/2025 - the borrower does currently live at XXXX, He's been living there 2 months rent free while XXXX is being built, Condition resolved. | Resolved 11/28/2025 - the borrower does currently live at XXXX, He's been living there 2 months rent free while XXXX is being built, Condition resolved. |  |  | QC Complete | 01/29/2026 | 01/29/2026 | 01/29/2026 | 11/06/2025 |
| 22 | XXXX | XXXX |  | XXXX | Tennessee | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Valuation | Appraisal | JJEH5RVDVRV-67I469YV | Resolved | 3 | R | \* Property is vacant (Lvl R) | Appraisal indicates property is vacant. Transaction is owner occupied.<br>Resolved 11/28/2025 - Received client response as " please note that this was a new construction and that is why it stated vacant ", condition resolved. | Resolved 11/28/2025 - Received client response as " please note that this was a new construction and that is why it stated vacant ", condition resolved. | Resolved 11/28/2025 - Received client response as " please note that this was a new construction and that is why it stated vacant ", condition resolved. |  |  | QC Complete | 01/29/2026 | 01/29/2026 | 01/29/2026 | 11/06/2025 |
| 22 | XXXX | XXXX |  | XXXX | Tennessee | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | JJEH5RVDVRV-ZZ4GCIYK | Resolved | 3 | R | \* Right of Rescission missing or unexecuted (Lvl R) | Missing Right of Rescission Document.<br>Resolved 11/24/2025: Received Right of Rescission Document dated 09/17/2025 and exception is cleared. | Resolved 11/24/2025: Received Right of Rescission Document dated 09/17/2025 and exception is cleared. | Resolved 11/24/2025: Received Right of Rescission Document dated 09/17/2025 and exception is cleared. |  |  | QC Complete | 01/29/2026 | 01/29/2026 | 01/29/2026 | 11/05/2025 |
| 24 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | SGI0UKJU3XQ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Please provide the September 30, 2024 business bank statement for XXXX account ending in XXXX<br>Resolved 11/28/2025 - Received bank statement, condition resolved. | Resolved 11/28/2025 - Received bank statement, condition resolved. | Resolved 11/28/2025 - Received bank statement, condition resolved. |  |  | QC Complete | 11/18/2025 | 11/28/2025 | 11/28/2025 | 11/18/2025 |
| 26 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | 4LPNW3WEYUF-YXK20TJA | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>Resolved 12/01/2025 - Received rent comparable photos, condition resolved. | Resolved 12/01/2025 - Received rent comparable photos, condition resolved. | Resolved 12/01/2025 - Received rent comparable photos, condition resolved. |  |  | QC Complete | 11/06/2025 | 12/01/2025 | 12/01/2025 | 11/06/2025 |
| 32 | XXXX | XXXX |  | XXXX | Indiana | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | X4DKK1XU2VH-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of proof document for property address : XXXX<br>Tax & insurance - $334.62 , Mortgage statement : Account : Need - $1527 & XXXX - $1434.60.<br>Not Resolved 11/24/2025 - Required PITI documentation proof for Investment property " XXXX ", condition not resolved.<br>Resolved 12/19/2025 - Received PITIA documents, condition resolved. | Resolved 12/19/2025 - Received PITIA documents, condition resolved. | Resolved 12/19/2025 - Received PITIA documents, condition resolved. |  |  | QC Complete | 11/07/2025 | 12/19/2025 | 12/19/2025 | 11/06/2025 |
| 32 | XXXX | XXXX |  | XXXX | Indiana | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | X4DKK1XU2VH-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.211% Allowed 8.110% Overby +0.101%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/07/2025 | 11/07/2025 | 11/07/2025 | 11/06/2025 |
| 36 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | 1YSXSHY0VNO-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of operating agreement for XXXX<br>Resolved 12/17/2025 - Received operating agreement, condition resolved. | Resolved 12/17/2025 - Received operating agreement, condition resolved. | Resolved 12/17/2025 - Received operating agreement, condition resolved. |  |  | QC Complete | 12/03/2025 | 12/17/2025 | 12/17/2025 | 12/02/2025 |
| 36 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | 1YSXSHY0VNO-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception being requested at CRT's request. Requesting exception to allow for an ADU on a 2-unit property. Smart Series only allows for one ADU on 1 unit properties. Not using any rental income from ADU to qualify.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 722 FICO exceeds the guideline requirement of 720.<br>Reserves: The 25 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 1.07 DSCR exceeds the guideline requirement of 1.00. |  | QC Complete | 12/03/2025 |  |  | 12/02/2025 |
| 38 | XXXX | XXXX |  | XXXX | Louisiana | XX/XX/XXXX | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | CL4QKOFXIFY-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception for Barndominium. Showing as ineligible property in Guidelines. Appraisal Reviewed by CRT and found to be acceptable. 0x30 over 107 months on investment property. Subject property mortgage being paid off was just opened 2/2025 with no monthly payments required per agreement.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 52.92% LTV is less than the guideline requirement of 80.00%.<br>DTI: 29.59% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 759 FICO exceeds the guideline requirement of 720. |  | QC Complete | 12/18/2025 |  |  | 12/17/2025 |
| 47 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | QHQ05TJID1W-UTM9VHCU | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | Please provide an updated Final 1003 with the REO section reflecting a PITI of $1,534.48, consistent with the mortgage statement for the primary property located at XXXX<br>Not Resolved 11/24/2025 - Required REO Property XXXX to reflect the mortgage payment, condition not resolved.<br>Resolved 12/05/2025 - Resolved as the borrower is no longer the owner and has intra-family transfer. | Resolved 12/05/2025 - Resolved as the borrower is no longer the owner and has intra-family transfer. | Resolved 12/05/2025 - Resolved as the borrower is no longer the owner and has intra-family transfer. |  |  | QC Complete | 11/07/2025 | 12/05/2025 | 12/05/2025 | 11/05/2025 |
| 52 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | 5I3JXX4YEBF-YXK20TJA | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Appraisal incomplete due to missing a completed 1007 (Single-Family Rent Schedule) with rent comparables and rent comparables photos.<br>12/26/2025 Resolved : Resolved as no 1007 form was required. | 12/26/2025 Resolved : Resolved as no 1007 form was required. | 12/26/2025 Resolved : Resolved as no 1007 form was required. |  |  | QC Complete | 12/03/2025 | 12/26/2025 | 12/26/2025 | 12/02/2025 |
| 60 | XXXX | XXXX |  | XXXX | Georgia | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ZW2CRWFVNGY-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.215% Allowed 7.790% Overby +1.425%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/18/2025 | 12/18/2025 | 12/18/2025 | 12/17/2025 |
| 66 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 50MA5UNMS2X-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of secondary valuation as it is missing.<br>Resolved 1/8/2026 - Received CDA, condition resolved. | Resolved 1/8/2026 - Received CDA, condition resolved. | Resolved 1/8/2026 - Received CDA, condition resolved. |  |  | QC Complete | 11/18/2025 | 01/08/2026 | 01/08/2026 | 11/18/2025 |
| 72 | XXXX | XXXX |  | XXXX | New Mexico | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | 0YBDPOYBTS4-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a payoff statement or proof of account inactivity for the XXXX accounts listed below, which have already been included in the DTI calculation.<br>1. XXXX - $885.86<br> 2. XXXX - $118.10<br>Not Resolved 11/28/2025 - Required proof of above XXXX accounts, condition not resolved.<br>Resolved 12/30/2025: The copy bank statement screenshot with payment proofs. | Resolved 12/30/2025: The copy bank statement screenshot with payment proofs. | Resolved 12/30/2025: The copy bank statement screenshot with payment proofs. |  |  | QC Complete | 11/20/2025 | 12/30/2025 | 12/30/2025 | 11/20/2025 |
| 81 | XXXX | XXXX |  | XXXX | Wisconsin | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Doc Issue | VF5AS2COAGK-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Appraiser Certificate is missing in the file.<br>Resolved 11/28/2025 - Received appraisal certificate, condition resolved. | Resolved 11/28/2025 - Received appraisal certificate, condition resolved. | Resolved 11/28/2025 - Received appraisal certificate, condition resolved. |  |  | QC Complete | 11/18/2025 | 12/02/2025 | 12/02/2025 | 11/18/2025 |
| 95 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | EJMRTBWVRDW-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The Flood Certificate reflects the subject property as being located in FEMA Flood Zone AE. However, the appraisal report indicates "FEMA Flood Zone: No. Correction required on appraisal.<br>Resolved 12/4/2025 - Received corrected appraisal report, condition resolved. | Resolved 12/4/2025 - Received corrected appraisal report, condition resolved. | Resolved 12/4/2025 - Received corrected appraisal report, condition resolved. |  |  | QC Complete | 11/18/2025 | 12/04/2025 | 12/04/2025 | 11/18/2025 |
| 96 | XXXX | XXXX |  | XXXX | Georgia | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Appraisal | YVZGJMLFPPY-ANNC2X7V | Resolved | 3 | R | \* The Appraisal License is Missing (Lvl R) | Provide a copy of the appraiser's license, as it is missing.<br>Resolved 12/16/2025 - Received appraiser license, condition resolved. | Resolved 12/16/2025 - Received appraiser license, condition resolved. | Resolved 12/16/2025 - Received appraiser license, condition resolved. |  |  | QC Complete | 12/03/2025 | 12/16/2025 | 12/16/2025 | 12/02/2025 |
| 100 | XXXX | XXXX |  | XXXX | North Carolina | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | X2SKPSOFYV4-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.248% Allowed 7.760% Overby +1.488%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/03/2025 | 12/03/2025 | 12/03/2025 | 12/02/2025 |
| 100 | XXXX | XXXX |  | XXXX | North Carolina | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | X2SKPSOFYV4-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the evidence document receipt (tax, insurance, or HOA fee) for property XXXX in the amount of $200.00, as it is missing.<br>Resolved 12/17/2025 - Received proof documents for REO, condition resolved. | Resolved 12/17/2025 - Received proof documents for REO, condition resolved. | Resolved 12/17/2025 - Received proof documents for REO, condition resolved. |  |  | QC Complete | 12/03/2025 | 12/17/2025 | 12/17/2025 | 12/02/2025 |
| 111 | XXXX | XXXX |  | XXXX | Georgia | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Guidelines | WHFYR2XLVBV-T67CK90Y | Resolved | 3 | R | \* Credit history does not meet guidelines (Lvl R) | The mortgage statement dated 9/15/2025 shows and overdue amount of $2,395.83. Need credit supplement to verify not 30 days past due.<br>Resolved 12/17/2025 - Received mortgage payment in credit report with zero late payment, condition resolved. | Resolved 12/17/2025 - Received mortgage payment in credit report with zero late payment, condition resolved. | Resolved 12/17/2025 - Received mortgage payment in credit report with zero late payment, condition resolved. |  |  | QC Complete | 12/03/2025 | 12/17/2025 | 12/17/2025 | 12/02/2025 |
| 118 | XXXX | XXXX |  | XXXX | Arkansas | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Underwriting | 4LCUQDGL3AY-V81IZTFE | Resolved | 3 | R | \* Transmittal (1008) is Missing (Lvl R) | Missing form 1008 transmittal.<br>Not resolved 12/01/2025 - Required 1008 transmittal, condition not resolved.<br>Resolved 12/19/2025 - Resolved as the 1008 is not required. | Resolved 12/19/2025 - Resolved as the 1008 is not required. | Resolved 12/19/2025 - Resolved as the 1008 is not required. |  |  | QC Complete | 11/18/2025 | 12/19/2025 | 12/19/2025 | 11/18/2025 |
| 151 | XXXX | XXXX |  | XXXX | Illinois | XX/XX/XXXX | Refinance | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XXRSFYH3IU4-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | As Subject is a three unit with an ADU. XXXX is aware of this and indicated he would approve the exception.Loan has not been under written in house so DSCR not yet known.Please condition for DSCR > 1.Per Title property just purchases XX/XX/XXXX.August mortgage statement is provided .Used subject payment from mortgage statement and not form 1003.<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.07 DSCR exceeds the guideline requirement of 1.00.<br>Experienced investor: 3+ years of investment experience.<br>Reserves: The 14 months of available reserves are more than the guideline requirement of 6 months.<br>|  | QC Complete | 12/17/2025 |  |  | 12/16/2025 |
| 154 | XXXX | XXXX |  | XXXX | North Carolina | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | BLROT2EUZOB-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of title E&O, as it is missing.<br>Resolved 12/19/2025 - Received CPL letter, Condition resolved. | Resolved 12/19/2025 - Received CPL letter, Condition resolved. | Resolved 12/19/2025 - Received CPL letter, Condition resolved. |  |  | QC Complete | 12/03/2025 | 12/19/2025 | 12/19/2025 | 12/02/2025 |
| 164 | XXXX | XXXX |  | XXXX | North Carolina | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | TJ1DMMLLWIS-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.867% Allowed 7.790% Overby +1.077%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/04/2025 | 12/04/2025 | 12/04/2025 | 12/02/2025 |
| 175 | XXXX | XXXX |  | XXXX | New Mexico | XX/XX/XXXX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | SWI5T5M20CO-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower is identified as a first-time home buyer (FTHB) and is therefore ineligible for a second-home purchase in program guidelines (XXXX).<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 801 FICO exceeds the guideline requirement of 700.<br>DTI: 32.81% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 12/03/2025 |  |  | 12/02/2025 |
| 181 | XXXX | XXXX |  | XXXX | New Hampshire | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 51LLQSHBCQO-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 12/23/2025 - Received title report, condition resolved. | Resolved 12/23/2025 - Received title report, condition resolved. | Resolved 12/23/2025 - Received title report, condition resolved. |  |  | QC Complete | 12/04/2025 | 12/23/2025 | 12/23/2025 | 12/02/2025 |
| 197 | XXXX | XXXX |  | XXXX | Georgia | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | I5GBE4OVWCC-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.136% Allowed 8.740% Over by +0.396%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/04/2025 | 12/04/2025 | 12/04/2025 | 12/03/2025 |
| 198 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | LQNBPA0KB2H-YXK20TJA | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>Resolved 12/18/2025 - Received rental comparable, condition resolved. | Resolved 12/18/2025 - Received rental comparable, condition resolved. | Resolved 12/18/2025 - Received rental comparable, condition resolved. |  |  | QC Complete | 12/04/2025 | 12/18/2025 | 12/18/2025 | 12/03/2025 |
| 210 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | OHPBNE4QTDF-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide an additional one-month bank statement for XXXX account ending in XXXX to meet the requirement of two months of statements.<br>Resolved 01/02/2026: Resolved as $250,000 deposit to open the new XXXX came from XXXX ($190000) and XXXX ($60000); funds were already "seasoned" in other accounts. | Resolved 01/02/2026: Resolved as $250,000 deposit to open the new XXXX came from XXXX ($190000) and XXXX ($60000); funds were already "seasoned" in other accounts. | Resolved 01/02/2026: Resolved as $250,000 deposit to open the new XXXX came from XXXX ($190000) and XXXX ($60000); funds were already "seasoned" in other accounts. |  |  | QC Complete | 12/04/2025 | 01/02/2026 | 01/02/2026 | 12/03/2025 |
| 227 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | IZSUZA0BFAE-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower minimum Tradeline Requirement<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 727 FICO exceeds the guideline requirement of 700.<br>Reserves: The 6 months of available reserves are more than the guideline requirement of 3 months.<br>|  | QC Complete | 12/04/2025 |  |  | 12/03/2025 |
| 252 | XXXX | XXXX |  | XXXX | Minnesota | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | SYKSL2WPQSG-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br>Resolved 12/8/2025 - Received title report with insured amount, condition resolved. | Resolved 12/8/2025 - Received title report with insured amount, condition resolved. | Resolved 12/8/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 12/02/2025 | 12/08/2025 | 12/08/2025 | 12/01/2025 |
| 260 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | LK1P10DPNOQ-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.159% Allowed 7.670% Overby +0.489%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/28/2025 | 11/28/2025 | 11/28/2025 | 11/26/2025 |
| 261 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | TCFYP2TD44Y-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Provide a copy of Flood cert for the subject property address : XXXX<br>Resolved 12/11/2025; The copy of flood cert resolves the condition. | Resolved 12/11/2025; The copy of flood cert resolves the condition. | Resolved 12/11/2025; The copy of flood cert resolves the condition. |  |  | QC Complete | 11/19/2025 | 12/11/2025 | 12/11/2025 | 11/19/2025 |
| 262 | XXXX | XXXX |  | XXXX | Hawaii | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 0XE5TG1QK5K-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/16/2025 - Received title insured amount, condition resolved. | Resolved 12/16/2025 - Received title insured amount, condition resolved. | Resolved 12/16/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 12/09/2025 | 12/16/2025 | 12/16/2025 | 12/05/2025 |
| 262 | XXXX | XXXX |  | XXXX | Hawaii | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | 0XE5TG1QK5K-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide proof for the $358.78 amount shown in the PITIA 'other' section of the application.<br>Resolved 12/19/2025 - Received documentation proof, condition resolved. | Resolved 12/19/2025 - Received documentation proof, condition resolved. | Resolved 12/19/2025 - Received documentation proof, condition resolved. |  |  | QC Complete | 12/09/2025 | 12/19/2025 | 12/19/2025 | 12/05/2025 |
| 268 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | OY4GI33UBZ1-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of the secondary valuation CDA as it missing.<br>Resolved - 12/15/2025 - Received CDA, condition resolved. | Resolved - 12/15/2025 - Received CDA, condition resolved. | Resolved - 12/15/2025 - Received CDA, condition resolved. |  |  | QC Complete | 12/10/2025 | 12/15/2025 | 12/15/2025 | 12/08/2025 |
| 289 | XXXX | XXXX |  | XXXX | Colorado | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | YSG1FYWNZZI-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of Rental comparables photos in appraisal report.<br>Not Resolved 12/22/2025 - Required rental comparable photos, condition resolved.<br>Resolved 12/26/2025 - The copy of rental photos resolves the condition. | Resolved 12/26/2025 - The copy of rental photos resolves the condition. | Resolved 12/26/2025 - The copy of rental photos resolves the condition. |  |  | QC Complete | 12/11/2025 | 12/26/2025 | 12/26/2025 | 12/10/2025 |
| 305 | XXXX | XXXX |  | XXXX | Oregon | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | SO3UYVTPIHI-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 12/22/2025 - Received title insured amount, condition resolved. | Resolved 12/22/2025 - Received title insured amount, condition resolved. | Resolved 12/22/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 11/10/2025 | 12/22/2025 | 12/22/2025 | 11/07/2025 |
| 313 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | DGNMDYJPENP-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing proof of taxes and insurance for the REO property "XXXX<br>Resolved 12/15/2025 - Received LOX from client " as documentation of the PITIA expenses for non-subject properties is not required for this product ", condition resolved. | Resolved 12/15/2025 - Received LOX from client " as documentation of the PITIA expenses for non-subject properties is not required for this product ", condition resolved. | Resolved 12/15/2025 - Received LOX from client " as documentation of the PITIA expenses for non-subject properties is not required for this product ", condition resolved. |  |  | QC Complete | 12/09/2025 | 12/15/2025 | 12/15/2025 | 12/05/2025 |
| 328 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | LFJQU3JEJCH-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of$XXXX on the Title Commitment is less than the loan amount $XXXX.<br>Resolved 12/12/2025 - Received Title insured amount, condition resolved. | Resolved 12/12/2025 - Received Title insured amount, condition resolved. | Resolved 12/12/2025 - Received Title insured amount, condition resolved. |  |  | QC Complete | 12/09/2025 | 12/12/2025 | 12/12/2025 | 12/05/2025 |
| 334 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | KXSNYPD324Y-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br>Resolved 11/28/2025 - Received final title policy, condition resolved. | Resolved 11/28/2025 - Received final title policy, condition resolved. | Resolved 11/28/2025 - Received final title policy, condition resolved. |  |  | QC Complete | 11/13/2025 | 11/28/2025 | 11/28/2025 | 11/12/2025 |
| 338 | XXXX | XXXX |  | XXXX | Ohio | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | UQ3Q1F5S2M2-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Needed initial Closing Disclosure prior to 3 business days of consummation date XX/XX/XXXX<br>Resolved 12/17/2025: Received Initial Closing Disclosure dated 10/30/2025 and exception is cleared. | Resolved 12/17/2025: Received Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. | Resolved 12/17/2025: Received Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. |  |  | QC Complete | 12/04/2025 | 12/17/2025 | 12/17/2025 | 12/03/2025 |
| 338 | XXXX | XXXX |  | XXXX | Ohio | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | UQ3Q1F5S2M2-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.771% Allowed 7.740% Overby +1.031%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/04/2025 | 12/04/2025 | 12/04/2025 | 12/03/2025 |
| 342 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | WERS1FLNT25-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.702% Allowed 7.730% Overby +0.972%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 01/28/2026 | 01/28/2026 | 01/28/2026 | 12/09/2025 |
| 342 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Assets Insufficient | WERS1FLNT25-YHOZ28S0 | Resolved | 3 | R | \* Cash reserves less than required by guidelines (Lvl R) | The total verified assets of $34,054.12 are insufficient to meet the six-month reserve requirement. After subtracting the cash-to-close amount of $27,294.97, the remaining assets total $6,750.15. This falls $5,851.17 short of the required six-month reserves of $12,601.32.<br>Resolved 12/16/2025 - Received LOX as the loan doesn't requires 6 month reserves, condition resolved. | Resolved 12/16/2025 - Received LOX as the loan doesn't requires 6 month reserves, condition resolved. | Resolved 12/16/2025 - Received LOX as the loan doesn't requires 6 month reserves, condition resolved. |  |  | QC Complete | 01/28/2026 | 01/28/2026 | 01/28/2026 | 12/09/2025 |
| 380 | XXXX | XXXX |  | XXXX | Pennsylvania | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 2S35CPUHHAG-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/18/2025 - Received title insured amount, condition resolved. | Resolved 12/18/2025 - Received title insured amount, condition resolved. | Resolved 12/18/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 12/10/2025 | 12/18/2025 | 12/18/2025 | 12/09/2025 |
| 381 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | UUNKMCYNR20-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/3/2025- Received final title policy, condition resolved. | Resolved 12/3/2025- Received final title policy, condition resolved. | Resolved 12/3/2025- Received final title policy, condition resolved. |  |  | QC Complete | 11/26/2025 | 12/03/2025 | 12/03/2025 | 11/21/2025 |
| 384 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | JZOMMXTFOEV-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 12/2/2025 - Received title insured amount, condition resolved. | Resolved 12/2/2025 - Received title insured amount, condition resolved. | Resolved 12/2/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 11/25/2025 | 12/02/2025 | 12/02/2025 | 11/20/2025 |
| 386 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | J4WY1D1KQA0-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 12/22/2025 - Received Supplement report, condition resolved. | Resolved 12/22/2025 - Received Supplement report, condition resolved. | Resolved 12/22/2025 - Received Supplement report, condition resolved. |  |  | QC Complete | 12/16/2025 | 12/22/2025 | 12/22/2025 | 12/16/2025 |
| 386 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | J4WY1D1KQA0-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | provide a copy of the Letter of Explanation (LOX) from XXXX authorizing access to the funds held in the XXXX account.<br>Resolved 12/22/2025 - Received LOX as Joint access letter are not guideline requirement, condition resolved. | Resolved 12/22/2025 - Received LOX as Joint access letter are not guideline requirement, condition resolved. | Resolved 12/22/2025 - Received LOX as Joint access letter are not guideline requirement, condition resolved. |  |  | QC Complete | 12/16/2025 | 12/22/2025 | 12/22/2025 | 12/16/2025 |
| 390 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XCPMC1KGIMP-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide the lease agreements for the two rented units of the subject property.<br>Resolved 12/23/2025 - Received LOX as the comparable rent schedule on the appraisal stated there were two active leases so we use the lower of the leases or the market rent to calculate the DSCR , condition resolved. | Resolved 12/23/2025 - Received LOX as the comparable rent schedule on the appraisal stated there were two active leases so we use the lower of the leases or the market rent to calculate the DSCR , condition resolved. | Resolved 12/23/2025 - Received LOX as the comparable rent schedule on the appraisal stated there were two active leases so we use the lower of the leases or the market rent to calculate the DSCR , condition resolved. |  |  | QC Complete | 12/08/2025 | 12/23/2025 | 12/23/2025 | 12/05/2025 |
| 393 | XXXX | XXXX |  | XXXX | Tennessee | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | BSVP4YS5TCF-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of settlement statement for property address "XXXX<br>Resolved 12/15/2025 - Received seller CD, condition resolved. | Resolved 12/15/2025 - Received seller CD, condition resolved. | Resolved 12/15/2025 - Received seller CD, condition resolved. |  |  | QC Complete | 12/10/2025 | 12/15/2025 | 12/15/2025 | 12/09/2025 |
| 406 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | QSW5YMTLUCH-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of title supplement report, as the proposed title insured amount of $XXXX is insufficient to cover the loan amount of $XXXX.<br>Resolved 12/16/2025 - Received title insured amount, condition resolved. | Resolved 12/16/2025 - Received title insured amount, condition resolved. | Resolved 12/16/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 12/10/2025 | 12/16/2025 | 12/16/2025 | 12/09/2025 |
| 407 | XXXX | XXXX |  | XXXX | Hawaii | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | NCHWOA4V0OL-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Property is a condo hotel at LTV/CLTV is 75.84% and program max is 75%.<br>A copy of an exception approval letter is available in the loan file. |  |  | Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months.<br>DTI: 42.51% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 774 FICO exceeds the guideline requirement of 720. |  | QC Complete | 11/25/2025 |  |  | 11/20/2025 |
| 407 | XXXX | XXXX |  | XXXX | Hawaii | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Valuation | Property | NCHWOA4V0OL-7BC6773S | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Provide an updated appraisal report with following corrections.<br>1) Occupancy reflecting as "Owner".<br> 2) property in flood zone reflecting as "Yes".<br>Resolved 12/4/2025 - Received corrected appraisal, condition resolved. | Resolved 12/4/2025 - Received corrected appraisal, condition resolved. | Resolved 12/4/2025 - Received corrected appraisal, condition resolved. |  |  | QC Complete | 11/25/2025 | 12/04/2025 | 12/04/2025 | 11/25/2025 |
| 411 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | AUS | KSHY1EBON3A-9INEL399 | Resolved | 3 | R | \* Housing Payment (Lvl R) | Proof of taxes is required for XXXX and XXXX<br>Resolved 12/9/2025 - Received documentation for taxes, condition resolved. | Resolved 12/9/2025 - Received documentation for taxes, condition resolved. | Resolved 12/9/2025 - Received documentation for taxes, condition resolved. |  |  | QC Complete | 12/04/2025 | 12/09/2025 | 12/09/2025 | 12/03/2025 |
| 412 | XXXX | XXXX |  | XXXX | Maryland | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | RTWGIBJTGQC-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/11/2025 - Received title insured amount, condition resolved. | Resolved 12/11/2025 - Received title insured amount, condition resolved. | Resolved 12/11/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 12/05/2025 | 12/11/2025 | 12/11/2025 | 12/03/2025 |
| 421 | XXXX | XXXX |  | XXXX | Delaware | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Appraisal | YXJJWIKXFDS-ANNC2X7V | Resolved | 3 | R | \* The Appraisal License is Missing (Lvl R) | The appraiser license reflects the expiration date as 10/31/2025. Provide an updated appraiser license.<br>Resolved 12/18/2025 - Received appraiser license, condition resolved. | Resolved 12/18/2025 - Received appraiser license, condition resolved. | Resolved 12/18/2025 - Received appraiser license, condition resolved. |  |  | QC Complete | 12/11/2025 | 12/18/2025 | 12/18/2025 | 12/11/2025 |
| 427 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 5HAWYF1IJ1Y-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing title commitment date.<br>Resolved 12/15/2025 - Received title commitment effective date, condition resolved. | Resolved 12/15/2025 - Received title commitment effective date, condition resolved. | Resolved 12/15/2025 - Received title commitment effective date, condition resolved. |  |  | QC Complete | 12/10/2025 | 12/15/2025 | 12/15/2025 | 12/09/2025 |
| 436 | XXXX | XXXX |  | XXXX | Connecticut | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | KLX1ODUFDBR-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide supporting documents for the property "XXXX" as it is missing.<br>Resolved 12/9/2025 - Received closing disclosure for the respective property, condition resolved. | Resolved 12/9/2025 - Received closing disclosure for the respective property, condition resolved. | Resolved 12/9/2025 - Received closing disclosure for the respective property, condition resolved. |  |  | QC Complete | 12/04/2025 | 12/09/2025 | 12/09/2025 | 12/03/2025 |
| 436 | XXXX | XXXX |  | XXXX | Connecticut | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | KLX1ODUFDBR-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide supporting documents for the property "XXXX" as it is missing.<br>Provide supporting documents for the property "XXXX" as it is missing.<br>Resolved 12/24/2025 - Received Proof of document, condition resolved. | Resolved 12/24/2025 - Received Proof of document, condition resolved. | Resolved 12/24/2025 - Received Proof of document, condition resolved. |  |  | QC Complete | 12/04/2025 | 12/24/2025 | 12/24/2025 | 12/03/2025 |
| 438 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | 4YNLKOESQPC-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Lease Agreement for XXXX with rent $1300.<br>Resolved 12/12/2025 - Received addendum to lease agreement, condition resolved. | Resolved 12/12/2025 - Received addendum to lease agreement, condition resolved. | Resolved 12/12/2025 - Received addendum to lease agreement, condition resolved. |  |  | QC Complete | 12/04/2025 | 12/12/2025 | 12/12/2025 | 12/03/2025 |
| 451 | XXXX | XXXX |  | XXXX | Ohio | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 2KDWGDCKEGR-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.867% Allowed 7.730% Overby +1.137%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/10/2025 | 12/10/2025 | 12/10/2025 | 12/10/2025 |
| 458 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | CXORZVWV1WZ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Condo less than 500 SF.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 768 FICO exceeds the guideline requirement of 700.<br>Reserves: The 83 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 0.99 DSCR exceeds the guideline requirement of 0.50. |  | QC Complete | 12/31/2025 |  |  | 12/31/2025 |
| 465 | XXXX | XXXX |  | XXXX | Oregon | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | BYMBXS13JHC-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide the final Closing Disclosure for the property at XXXX The borrower is receiving $XXXX in cash-out proceeds, which are being used as assets.<br>Resolved 12/23/2025 - Received settlement statement, condition resolved. | Resolved 12/23/2025 - Received settlement statement, condition resolved. | Resolved 12/23/2025 - Received settlement statement, condition resolved. |  |  | QC Complete | 12/05/2025 | 12/23/2025 | 12/23/2025 | 12/04/2025 |
| 476 | XXXX | XXXX |  | XXXX | North Carolina | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | NUZGVID1MTP-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.891% Allowed 7.660% Overby +1.231%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/20/2025 | 11/20/2025 | 11/20/2025 | 11/20/2025 |

| 476 | XXXX | XXXX |  | XXXX | North Carolina | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | NUZGVID1MTP-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of XXXX Bank statement (XXXX) for the period of Sep 1 - Sep 30, 2025 as it is missing in the file.<br>Resolved 11/26/2025 - Received sept month bank statement, condition resolved. | Resolved 11/26/2025 - Received sept month bank statement, condition resolved. | Resolved 11/26/2025 - Received sept month bank statement, condition resolved. |  |  | QC Complete | 11/20/2025 | 11/26/2025 | 11/26/2025 | 11/19/2025 |
| 494 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | WOA1DXGPMEV-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Please provide a copy of the XXXX Bank Statement forXXXX, (Account Number# XXXX), for the following periods: 1. November 30, 2024, through December 31, 2024 2. January 1, 2025, through January 31, 2025<br>Resolved 12/01/2025 - Received both bank statements, condition resolved. | Resolved 12/01/2025 - Received both bank statements, condition resolved. | Resolved 12/01/2025 - Received both bank statements, condition resolved. |  |  | QC Complete | 11/11/2025 | 12/01/2025 | 12/01/2025 | 11/10/2025 |
| 497 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Property | P035F2W1PTA-5COCFHAP | Resolved | 3 | R | \* Completed "Subject To" w/o Compltn Cert in File (Lvl R) | Provide a copy of 1004D document as it is missing.<br>Resolved 12/3/2025 - Received Lender response, condition resolved. | Resolved 12/3/2025 - Received Lender response, condition resolved. | Resolved 12/3/2025 - Received Lender response, condition resolved. |  |  | QC Complete | 11/26/2025 | 12/03/2025 | 12/03/2025 | 11/24/2025 |
| 497 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | P035F2W1PTA-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of mortgage statement for the property "XXXX" as it is missing.<br>Provide a copy of mortgage statement for the property "XXXX" as it is missing.<br>Resolved 12/8/2025 - Received mortgage statement LOX, condition resolved. | Resolved 12/8/2025 - Received mortgage statement LOX, condition resolved. | Resolved 12/8/2025 - Received mortgage statement LOX, condition resolved. |  |  | QC Complete | 11/26/2025 | 12/08/2025 | 12/08/2025 | 11/24/2025 |
| 500 | XXXX | XXXX |  | XXXX | Connecticut | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | HXK3S1XFNLM-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing hazard insurance, taxes & HOA if applicable for properties XXXX, XXXX and XXXX<br>Resolved 12/11/2025 - Received Tax and insurance document, condition resolved. | Resolved 12/11/2025 - Received Tax and insurance document, condition resolved. | Resolved 12/11/2025 - Received Tax and insurance document, condition resolved. |  |  | QC Complete | 12/08/2025 | 12/11/2025 | 12/11/2025 | 12/04/2025 |
| 500 | XXXX | XXXX |  | XXXX | Connecticut | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | HXK3S1XFNLM-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | LTV/CLTV : LTV 80% exceeds maximum guidelines LTV 75%.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 739 FICO exceeds the guideline requirement of 720.<br>Residual Income : $86,075.85 monthly <br>DTI: 33.36% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 12/08/2025 |  |  | 12/04/2025 |
| 502 | XXXX | XXXX |  | XXXX | Montana | XX/XX/XXXX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 1VJGGDIHDVD-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception for FTHB living rent free - B1 XXXX living rent free prior to February 2025 (prior to renting with B2).<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 750 FICO exceeds the guideline requirement of 740.<br>DTI: 42.08% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 12/19/2025 |  |  | 12/18/2025 |
| 528 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Credit |  | 51M3GTAEIRT-4ZA4ZEZQ | Resolved | 4 | R | \* DTI > 50% (Lvl R) | After adding the correct HOA amount of $809.31 and the taxes and insurance for XXXX DTI should be 25.96/52.45<br>Resolved 12/10/2025 - Received LOX from the client as " HOA association dues are only $584.24 and added 166.08 assessment is shows in budget , condition resolved. | Resolved 12/10/2025 - Received LOX from the client as " HOA association dues are only $584.24 and added 166.08 assessment is shows in budget , condition resolved. | Resolved 12/10/2025 - Received LOX from the client as " HOA association dues are only $584.24 and added 166.08 assessment is shows in budget , condition resolved. |  |  | QC Complete | 11/28/2025 | 01/29/2026 | 01/29/2026 | 11/26/2025 |
| 528 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 51M3GTAEIRT-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 12/03/2025: Received Initial Closing Disclosure dated 10/28/2025 and exception is cleared. | Resolved 12/03/2025: Received Initial Closing Disclosure dated 10/28/2025 and exception is cleared. | Resolved 12/03/2025: Received Initial Closing Disclosure dated 10/28/2025 and exception is cleared. |  |  | QC Complete | 11/28/2025 | 12/03/2025 | 12/03/2025 | 01/01/0001 |
| 528 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 51M3GTAEIRT-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.406% Allowed 7.740% Overby +0.666%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/28/2025 | 11/28/2025 | 11/28/2025 | 11/26/2025 |
| 528 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Valuation | Doc Issue | 51M3GTAEIRT-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide a copy of updated appraisal report mentioning Flood zone as yes , As per Appraisal in file doesn't show flood zone as yes .<br>Resolved 12/11/2025 - Received corrected Appraisal report, condition resolved. | Resolved 12/11/2025 - Received corrected Appraisal report, condition resolved. | Resolved 12/11/2025 - Received corrected Appraisal report, condition resolved. |  |  | QC Complete | 11/28/2025 | 12/11/2025 | 12/11/2025 | 11/25/2025 |
| 534 | XXXX | XXXX |  | XXXX | Utah | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | AIYJG3XZUHH-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Property year built in 1871, provide a copy of lead-base paint document as it is missing.<br>12/23/2025 Resolved: The copy of LOX resolves the condition. | 12/23/2025 Resolved: The copy of LOX resolves the condition. | 12/23/2025 Resolved: The copy of LOX resolves the condition. |  |  | QC Complete | 01/28/2026 | 01/28/2026 | 01/28/2026 | 01/28/2026 |
| 546 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | MDC3WBEGWBQ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan files does not meet guide requirement. As per guidelines 50% DTI allowed. However, Calculated DTI is 51.09%<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 783 FICO exceeds the guideline requirement of 720.<br>LTV: 52.036% LTV is less than the guideline requirement of 90.00%.<br>|  | QC Complete | 01/27/2026 |  |  | 12/23/2025 |
| 548 | XXXX | XXXX |  | XXXX | Illinois | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | 2RRPSWCHGH0-YXK20TJA | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>Resolved 12/11/2025 - Received client response " Rental comparable were also used as sale comparable. Photos of all properties are included in the appraisal", condition resolved. | Resolved 12/11/2025 - Received client response " Rental comparable were also used as sale comparable. Photos of all properties are included in the appraisal", condition resolved. | Resolved 12/11/2025 - Received client response " Rental comparable were also used as sale comparable. Photos of all properties are included in the appraisal", condition resolved. |  |  | QC Complete | 12/05/2025 | 12/11/2025 | 12/11/2025 | 12/04/2025 |
| 550 | XXXX | XXXX |  | XXXX | Oregon | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | E2PSIEPLOJY-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a copy of Borrower(XXXX) identity document.<br>Resolved 12/24/2025 - Received GOV ID, condition resolved. | Resolved 12/24/2025 - Received GOV ID, condition resolved. | Resolved 12/24/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 12/05/2025 | 12/24/2025 | 12/24/2025 | 12/04/2025 |
| 557 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 0UKYWS0ORWC-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of page 12 of the Final 1003.<br>Resolved 12/18/2025 - Received Page 12, condition resolved. | Resolved 12/18/2025 - Received Page 12, condition resolved. | Resolved 12/18/2025 - Received Page 12, condition resolved. |  |  | QC Complete | 12/15/2025 | 12/18/2025 | 12/18/2025 | 12/12/2025 |
| 559 | XXXX | XXXX |  | XXXX | Illinois | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 3R4W0H5KOLX-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.062% Allowed 7.660% Overby +0.402%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/16/2025 | 12/16/2025 | 12/16/2025 | 12/16/2025 |
| 560 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | HIZ4XPL5TRG-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception requested for FTHB living rent free for >12 months.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 676 FICO exceeds the guideline requirement of 640.<br>LTV: 75.00% LTV is less than the guideline requirement of 80.00%.<br>DTI: 30.83% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 01/28/2026 |  |  | 11/24/2025 |
| 560 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | LTV/CLTV | HIZ4XPL5TRG-I1CDNYEZ | Waived | 4 | W | \* CLTV exceeds guidelines (Lvl W) | A CLTV of 75% exceeds the guideline, as the maximum allowable LTV/CLTV for a FICO score of 676 is 70%.<br>A copy of an exception approval letter has been received. |  |  | FICO: 676 FICO exceeds the guideline requirement of 640.<br>DTI: 30.83% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 01/28/2026 |  |  | 11/26/2025 |
| 560 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | HIZ4XPL5TRG-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.712% Allowed 7.660% Overby +0.052%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 01/28/2026 | 01/28/2026 | 01/28/2026 | 11/26/2025 |
| 560 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Credit | HIZ4XPL5TRG-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The mortgage statement for the property at XXXX is available; however, the payment is not reflected in the REO section. Please provide a copy of the payoff statement.<br>Resolved 12/9/2025 - Received LOX as this property mortgage is not in the borrowers name, condition resolved. | Resolved 12/9/2025 - Received LOX as this property mortgage is not in the borrowers name, condition resolved. | Resolved 12/9/2025 - Received LOX as this property mortgage is not in the borrowers name, condition resolved. |  |  | QC Complete | 01/28/2026 | 01/28/2026 | 01/28/2026 | 11/24/2025 |
| 566 | XXXX | XXXX |  | XXXX | Alaska | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | Z5EUQO0YOT5-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 12/04/2025: Received Initial Closing Disclosure dated 11/05/2025 and exception is cleared. | Resolved 12/04/2025: Received Initial Closing Disclosure dated 11/05/2025 and exception is cleared. | Resolved 12/04/2025: Received Initial Closing Disclosure dated 11/05/2025 and exception is cleared. |  |  | QC Complete | 11/28/2025 | 12/04/2025 | 12/04/2025 | 11/28/2025 |
| 574 | XXXX | XXXX |  | XXXX | Washington D.C. | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | WDTPUAXQUIX-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Appraisal : condo under 500SF <br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.10 DSCR exceeds the guideline requirement of 0.50.<br>FICO: 751 FICO exceeds the guideline requirement of 660.<br>LTV: 70.00% LTV is less than the guideline requirement of 85.00%.<br>|  | QC Complete | 12/04/2025 |  |  | 12/03/2025 |
| 574 | XXXX | XXXX |  | XXXX | Washington D.C. | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Doc Issue | WDTPUAXQUIX-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br>Resolved 12/12/2025 - Received title insured amount, condition resolved. | Resolved 12/12/2025 - Received title insured amount, condition resolved. | Resolved 12/12/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 12/04/2025 | 12/12/2025 | 12/12/2025 | 12/04/2025 |
| 577 | XXXX | XXXX |  | XXXX | Tennessee | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 2 | Valuation | Doc Issue | SZ40T1FXJTZ-YXK20TJA | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Provide a copy of subject street scene picture, as its missing in appraisal report.<br>Resolved 12/11/2025 - Received appraisal street scene picture, condition resolved. | Resolved 12/11/2025 - Received appraisal street scene picture, condition resolved. | Resolved 12/11/2025 - Received appraisal street scene picture, condition resolved. |  |  | QC Complete | 12/04/2025 | 12/11/2025 | 12/11/2025 | 12/04/2025 |
| 577 | XXXX | XXXX |  | XXXX | Tennessee | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | SZ40T1FXJTZ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Income - Exception requested to accept bank statements for the borrower's self-employed income qualification which were previously titled in the name of a non-borrower, now titled in the name of the borrower's business.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 752 FICO exceeds the guideline requirement of 640.<br> DTI: 19.72% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 12/04/2025 |  |  | 12/03/2025 |
| 587 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | VEZ41FUBYTW-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a valid government-issued ID to verify the borrower's identity.<br>Resolved 12/23/2025 - Received GOV ID, condition resolved. | Resolved 12/23/2025 - Received GOV ID, condition resolved. | Resolved 12/23/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 12/11/2025 | 12/23/2025 | 12/23/2025 | 12/09/2025 |
| 587 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | VEZ41FUBYTW-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Please provide supporting documentation to verify the $62.00 'Other Expenses' not included in the loan file.<br>Resolved 12/30/2025 - Received LOX, condition resolved. | Resolved 12/30/2025 - Received LOX, condition resolved. | Resolved 12/30/2025 - Received LOX, condition resolved. |  |  | QC Complete | 12/11/2025 | 12/30/2025 | 12/30/2025 | 12/09/2025 |
| 590 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | 1XG5XS4ORB1-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower is a XXXX, filing Sch C, and does not have a YTD Balance Sheet.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 754 FICO exceeds the guideline requirement of 720.<br>DTI: 42.21% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 79.98% LTV is less than the guideline requirement of 85.00%. |  | QC Complete | 12/09/2025 |  |  | 12/08/2025 |
| 591 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | OC4SSNETSTD-3FPSHHKF | Resolved | 3 | R | \* Missing required 1-4 family rider (Lvl R) | Provide a copy of missing 1-4 Family Rider and Entity Borrower Rider.<br>Resolved 12/30/2025 - Received rider documents, condition resolved. | Resolved 12/30/2025 - Received rider documents, condition resolved. | Resolved 12/30/2025 - Received rider documents, condition resolved. |  |  | QC Complete | 12/23/2025 | 12/30/2025 | 12/30/2025 | 12/22/2025 |
| 599 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 0AXZ3F5Z55R-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/23/2025 - Received title insured amount, condition resolved. | Resolved 12/23/2025 - Received title insured amount, condition resolved. | Resolved 12/23/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 12/08/2025 | 12/23/2025 | 12/23/2025 | 12/04/2025 |
| 604 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | SIQMXJW41BD-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/12/2025 - Received title insured amount, condition resolved. | Resolved 12/12/2025 - Received title insured amount, condition resolved. | Resolved 12/12/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 12/09/2025 | 12/12/2025 | 12/12/2025 | 12/08/2025 |
| 605 | XXXX | XXXX |  | XXXX | Nevada | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | QBN5S4UA3XZ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Occupant borrower is required to have income with a non occupant co-borrower. No income is being used for the occupant borrower.<br>A copy of an exception approval letter is available in the loan file. |  |  | Reserves: The 40 months of available reserves are more than the guideline requirement of 8 months.<br>LTV: 64.15% LTV is less than the guideline requirement of 85.00%.<br>DTI: 17.07% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 01/28/2026 |  |  | 11/20/2025 |
| 605 | XXXX | XXXX |  | XXXX | Nevada | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Credit | QBN5S4UA3XZ-U0OKEMMW | Waived | 2 | W | \* Required Documentation Missing or Incomplete (Lvl W) | Total exposure $4801000 when $XXXX is allowed - other loan is XXXX<br>A copy of an exception approval letter is available in the loan file. |  |  | Reserves: The 40 months of available reserves are more than the guideline requirement of 8 months.<br>LTV: 64.15% LTV is less than the guideline requirement of 85.00%.<br>DTI: 17.07% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 01/28/2026 |  |  | 11/20/2025 |
| 605 | XXXX | XXXX |  | XXXX | Nevada | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Credit | QBN5S4UA3XZ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Required Mortgage statement for Property address XXXX<br>Resolved 12/2/2025 - Received closing disclosure for property with P&I, condition resolved. | Resolved 12/2/2025 - Received closing disclosure for property with P&I, condition resolved. | Resolved 12/2/2025 - Received closing disclosure for property with P&I, condition resolved. |  |  | QC Complete | 01/28/2026 | 01/28/2026 | 01/28/2026 | 11/20/2025 |
| 605 | XXXX | XXXX |  | XXXX | Nevada | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Other Disclosures | QBN5S4UA3XZ-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Please correct the 1003 for borrower XXXX. The current address indicates that he owns the property, but the primary housing expense is listed as "None."0<br>Resolved 12/01/2025 - Received corrected 1003, condition resolved. | Resolved 12/01/2025 - Received corrected 1003, condition resolved. | Resolved 12/01/2025 - Received corrected 1003, condition resolved. |  |  | QC Complete | 01/28/2026 | 01/28/2026 | 01/28/2026 | 11/20/2025 |
| 605 | XXXX | XXXX |  | XXXX | Nevada | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Credit | QBN5S4UA3XZ-53UNNI64 | Resolved | 3 | R | \* Excessive DTI (Lvl R) | Please provide evidence to support the exclusion of XXXX.<br>Resolved 12/2/2025 - Received payoff proof, condition resolved. | Resolved 12/2/2025 - Received payoff proof, condition resolved. | Resolved 12/2/2025 - Received payoff proof, condition resolved. |  |  | QC Complete | 01/28/2026 | 01/28/2026 | 01/28/2026 | 11/20/2025 |
| 608 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 4XAXLUDDV05-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Reserves - Requesting exception to waive reserves on SELF rate/term refinance primary home. 1 of the payments from October 2024 (prior loan) was IO on a construction loan so dependent on draw amount and was not fixed<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 773 FICO exceeds the guideline requirement of 640.<br>Residual income: $12,484.46 Monthly |  | QC Complete | 12/19/2025 |  |  | 12/18/2025 |
| 250 | XXXX | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | EN5ZDAIDRCF-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br>Resolved 12/9/2025 - Received title insured amount, condition resolved. | Resolved 12/9/2025 - Received title insured amount, condition resolved. | Resolved 12/9/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 12/02/2025 | 12/09/2025 | 12/09/2025 | 12/02/2025 |
| 614 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | 5XWFXOHWCOK-3L2978EM | Resolved | 3 | R | \* Assets do not meet guidelines (Lvl R) | The XXXX personal statement CD does not indicate a date, so the balance cannot be verified.<br>Resolved 12/12/2025 - Received bank balance LOX, condition resolved. | Resolved 12/12/2025 - Received bank balance LOX, condition resolved. | Resolved 12/12/2025 - Received bank balance LOX, condition resolved. |  |  | QC Complete | 12/09/2025 | 12/12/2025 | 12/12/2025 | 12/08/2025 |
| 615 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | WVFLRWCI0BS-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide a copy of Rental comparables photos in appraisal report as it is missing<br>Resolved 12/11/2025 - Received rental comparable, condition resolved. | Resolved 12/11/2025 - Received rental comparable, condition resolved. | Resolved 12/11/2025 - Received rental comparable, condition resolved. |  |  | QC Complete | 12/04/2025 | 12/11/2025 | 12/11/2025 | 12/04/2025 |
| 618 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | XH5LW2WNQRU-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copies of the proof of omission for the following liability accounts:<br>1)XXXX Balance :$503 Payment $40<br> 2)XXXX Balance :$28,901 Payment $249<br>Not resolved 11/24/2025 - Required proof of documentation or credit supplement to reflect the payment of liabilities, condition not resolved.<br>Resolved 12/4/2025 - Received LOX as both the accounts are duplicates and it is open in credit, condition resolved. | Resolved 12/4/2025 - Received LOX as both the accounts are duplicates and it is open in credit, condition resolved. | Resolved 12/4/2025 - Received LOX as both the accounts are duplicates and it is open in credit, condition resolved. |  |  | QC Complete | 11/11/2025 | 12/04/2025 | 12/04/2025 | 11/10/2025 |
| 649 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | D050DARQJGT-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the tax sheet for the subject property.<br>Resolved 12/15/2025 - Received tax document, condition resolved. | Resolved 12/15/2025 - Received tax document, condition resolved. | Resolved 12/15/2025 - Received tax document, condition resolved. |  |  | QC Complete | 12/10/2025 | 12/15/2025 | 12/15/2025 | 12/09/2025 |
| 662 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | BC0RGTCH1Q3-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/3/2025 - Received title insured amount, condition resolved. | Resolved 12/3/2025 - Received title insured amount, condition resolved. | Resolved 12/3/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 11/26/2025 | 12/03/2025 | 12/03/2025 | 11/24/2025 |
| 667 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 4MI30UNHQCG-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>Resolved 12/30/2025 - Received title policy, condition resolved. | Resolved 12/30/2025 - Received title policy, condition resolved. | Resolved 12/30/2025 - Received title policy, condition resolved. |  |  | QC Complete | 11/11/2025 | 12/30/2025 | 12/30/2025 | 11/10/2025 |
| 675 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | ABV1KMAFRKC-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of borrower settlement statement / Seller settlement statement. Property (XXXX) is currently reflected as Pending Sale.<br>Resolved 12/11/2025 - Received seller CD for the pending sale property, condition resolved. | Resolved 12/11/2025 - Received seller CD for the pending sale property, condition resolved. | Resolved 12/11/2025 - Received seller CD for the pending sale property, condition resolved. |  |  | QC Complete | 12/04/2025 | 12/11/2025 | 12/11/2025 | 12/04/2025 |
| 675 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Valuation | Doc Issue | ABV1KMAFRKC-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | The flood certification shows the property is located in a Special Flood Hazard Area ("Yes"), while the appraisal reports it as not being in a Special Flood Hazard Area ("No"). A correction to the appraisal report is required.<br>Resolved 12/22/2025 - Received corrected appraisal, condition resolved. | Resolved 12/22/2025 - Received corrected appraisal, condition resolved. | Resolved 12/22/2025 - Received corrected appraisal, condition resolved. |  |  | QC Complete | 12/04/2025 | 12/22/2025 | 12/22/2025 | 12/05/2025 |
| 675 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ABV1KMAFRKC-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation<br>Higher-Priced Mortgage Loan Test: Charged 8.037% Allowed 7.740% Overby +0.29<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/04/2025 | 12/04/2025 | 12/04/2025 | 12/04/2025 |
| 681 | XXXX | XXXX |  | XXXX | Georgia | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 5PCVNPCLGU4-V99AA17R | Resolved | 3 | R | \* Prepayment Rider Missing (Lvl R) | Provide a copy of prepayment rider as it is missing.<br>Resolved 12/5/2025 - Received PPP rider, condition resolved. | Resolved 12/5/2025 - Received PPP rider, condition resolved. | Resolved 12/5/2025 - Received PPP rider, condition resolved. |  |  | QC Complete | 12/02/2025 | 12/05/2025 | 12/05/2025 | 12/01/2025 |
| 690 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 3PHF4AA4I4I-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | 6 NSFs in current 12mth period; borrower has 17 along with a 1x30 dated 12/2023 due to servicing transfer per LOX provided<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 51.48% LTV is less than the guideline requirement of 70.00%.<br>DTI: 42.26% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 729 FICO exceeds the guideline requirement of 640.<br>|  | QC Complete | 12/05/2025 |  |  | 12/04/2025 |
| 690 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Other Disclosures | 3PHF4AA4I4I-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide an updated Deed of Trust showing the full 18-digit MIN/MERS number; the current version lists only 17 digits.<br>Resolved 12/11/2025 - Received DOT with 18 digit MIN, condition resolved. | Resolved 12/11/2025 - Received DOT with 18 digit MIN, condition resolved. | Resolved 12/11/2025 - Received DOT with 18 digit MIN, condition resolved. |  |  | QC Complete | 12/05/2025 | 12/11/2025 | 12/11/2025 | 12/04/2025 |
| 690 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | 3PHF4AA4I4I-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 12/18/2025: Received Initial Closing Disclosure dated 11/13/2025 and exception is cleared. | Resolved 12/18/2025: Received Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. | Resolved 12/18/2025: Received Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. |  |  | QC Complete | 12/05/2025 | 12/18/2025 | 12/18/2025 | 12/04/2025 |
| 697 | XXXX | XXXX |  | XXXX | Pennsylvania | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | WJKV32UMRRY-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Bank statement for the month of April 2025-May 2025. (XXXX).<br>Resolved 11/28/2025 - Received bank statement for April month, condition resolved. | Resolved 11/28/2025 - Received bank statement for April month, condition resolved. | Resolved 11/28/2025 - Received bank statement for April month, condition resolved. |  |  | QC Complete | 11/24/2025 | 11/28/2025 | 11/28/2025 | 11/20/2025 |
| 697 | XXXX | XXXX |  | XXXX | Pennsylvania | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | WJKV32UMRRY-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.306% Allowed 7.660% Overby +0.646%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/24/2025 | 11/24/2025 | 11/24/2025 | 11/20/2025 |
| 710 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | LPCAKWQCZZ3-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | EAD Card is expired. <br>A copy of an exception approval letter is available in the loan file. The borrower is eligible for automatic extension per the clause on their form I-797C application for employment authorization which was submitted prior to the card expiration date. This application can be shown with the card for employment authorization. |  |  | FICO: 742 FICO exceeds the guideline requirement of 700.<br>DTI: 33.48% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 12/10/2025 |  |  | 12/09/2025 |
| 714 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | TIL | AQPBEUF0EM4-9OPA4U12 | Resolved | 3 | R | \* Missing Closing Protection Letter (Lvl R) | The closing protection letter in the file is missing the required complete lender loss payee clause for the new lender. Missing "ISAOA/ATIMA". An updated copy should be provided to satisfy the requirement.<br>Resolved 12/4/2025 - Received LOX as the CPL ISOA is not required for Texas state, condition resolved. | Resolved 12/4/2025 - Received LOX as the CPL ISOA is not required for Texas state, condition resolved. | Resolved 12/4/2025 - Received LOX as the CPL ISOA is not required for Texas state, condition resolved. |  |  | QC Complete | 11/14/2025 | 12/04/2025 | 12/04/2025 | 11/14/2025 |
| 714 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | AQPBEUF0EM4-4DQ1N9RK | Resolved | 3 | R | \* Letter of explanation needed for the file (Lvl R) | The letters of explanation in the loan file on pg's#43-54 & 59-80, and 119-125 are missing signatures from the provider of the letters. The letters of explanation should have been signed either prior to or at close of escrow.<br>Resolved 11/19/2025 - Received lender LOX as " The letters referenced are letter templates that would be used by the HomeownerAssociation when needed. They are not referencing any specific property, condition not resolved. | Resolved 11/19/2025 - Received lender LOX as " The letters referenced are letter templates that would be used by the HomeownerAssociation when needed. They are not referencing any specific property, condition not resolved. | Resolved 11/19/2025 - Received lender LOX as " The letters referenced are letter templates that would be used by the HomeownerAssociation when needed. They are not referencing any specific property, condition not resolved. |  |  | QC Complete | 11/14/2025 | 11/19/2025 | 11/19/2025 | 11/14/2025 |
| 714 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Property | AQPBEUF0EM4-7BC6773S | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Provide a copy of 1004D Appraisal report having Loose tiles in Bath 2, Example of cosmetic dry wall cracks left over from previous foundation damage, Cosmetic dry wall cracks left over from previous foundation damage, Missing interior door to utility room, Damaged transition piece, Missing transition piece, Missing light fixture in dining room, Missing transition piece and damaged laminate flooring, Damaged laminate flooring, Missing light fixture at nook, Small portion of missing exterior trim, Subject foundation recently repaired, damaged ceiling texture, Missing switch cover, Missing switch cover, Missing outlet cover, Drywall damage, Missing drawer face in Bath2 vanity.<br>Resolved 11/19/2025 - Received foundation repairs acknowledgment, condition resolved. | Resolved 11/19/2025 - Received foundation repairs acknowledgment, condition resolved. | Resolved 11/19/2025 - Received foundation repairs acknowledgment, condition resolved. |  |  | QC Complete | 11/14/2025 | 11/19/2025 | 11/19/2025 | 11/14/2025 |
| 714 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | AQPBEUF0EM4-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | The hazard insurance policies in the loan file are insufficient to satisfy requirements. The policy on pg#476 lists the incorrect property address for the subject property. The policy on pg#479 lists the effective date of changes for the subject transaction as XX/XX/XXXX and the note date / COE date is XX/XX/XXXX therefore it was not active on the date of close which is not acceptable. An updated policy should be provided to show the policy was effective on the date of close matching the note date or prior to.<br>Resolved 12/11/2025 - HOI effective date is covering the funding date, condition resolved. | Resolved 12/11/2025 - HOI effective date is covering the funding date, condition resolved. | Resolved 12/11/2025 - HOI effective date is covering the funding date, condition resolved. |  |  | QC Complete | 11/14/2025 | 12/11/2025 | 12/11/2025 | 11/14/2025 |
| 719 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | DVVF4X5FR1B-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.227% Allowed 7.760% Overby +0.467%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/11/2025 | 12/11/2025 | 12/11/2025 | 12/11/2025 |
| 722 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Property | BHTWHAC2UKV-7BC6773S | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Appraisal Report reflecting appraisal value as $XXXX with LTV as 58.10% . All other closing documents reflecting appraisal value as $XXXX (1008 , loan scorecard , final 1003) with LTV 50.86%.<br>Resolved 12/16/2025 - Received updated 1008 and loan score card, condition resolved. | Resolved 12/16/2025 - Received updated 1008 and loan score card, condition resolved. | Resolved 12/16/2025 - Received updated 1008 and loan score card, condition resolved. |  |  | QC Complete | 12/09/2025 | 12/16/2025 | 12/16/2025 | 12/05/2025 |
| 731 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | TIL | COM0BBKFLI2-9OPA4U12 | Resolved | 3 | R | \* Missing Closing Protection Letter (Lvl R) | The Closing protection letter is missing the complete lender loss payee verbiage required for closing. Missing "ISAOA/ATIMA".<br>Resolved 12/4/2025 - Received LOX as the CPL ISOA is not required for Texas state, condition resolved. | Resolved 12/4/2025 - Received LOX as the CPL ISOA is not required for Texas state, condition resolved. | Resolved 12/4/2025 - Received LOX as the CPL ISOA is not required for Texas state, condition resolved. |  |  | QC Complete | 11/24/2025 | 12/04/2025 | 12/04/2025 | 11/20/2025 |
| 732 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | 2QTRU14UYL0-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide supporting documentation to verify the $33.33 listed in the "other" component of the PITI on the application.<br>Resolved 12/15/2025 - Received LOX from client " HOA dues $400/ year is added as an conservative approach to discrepancy in information, condition resolved. | Resolved 12/15/2025 - Received LOX from client " HOA dues $400/ year is added as an conservative approach to discrepancy in information, condition resolved. | Resolved 12/15/2025 - Received LOX from client " HOA dues $400/ year is added as an conservative approach to discrepancy in information, condition resolved. |  |  | QC Complete | 12/05/2025 | 12/15/2025 | 12/15/2025 | 12/04/2025 |
| 735 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | AJ1A5SXERZH-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide the missing XXXX account statements for accounts ending in XXXX and XXXX for XXXX, covering February 2023, November 2023, and October 2024 through June 2025.<br>Resolved 1/7/2026 - Received bank statement for Nov 2023 and Oct 2024 and June 2025, condition resolved. | Resolved 1/7/2026 - Received bank statement for Nov 2023 and Oct 2024 and June 2025, condition resolved. | Resolved 1/7/2026 - Received bank statement for Nov 2023 and Oct 2024 and June 2025, condition resolved. |  |  | QC Complete | 12/11/2025 | 01/07/2026 | 01/07/2026 | 12/11/2025 |
| 736 | XXXX | XXXX |  | XXXX | Washington | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Credit | ZX0A44EV52W-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | This is a refinance of a primary residence. Per guidelines, required reserves are $182,008.50 (calculated as $12,133.90 PITIA × 15 months). <br>Verified reserves in the total $167,812.01.<br>XXXX = $33,941.39<br> XXXX = $46,475.00<br> XXXX&nbsp;&nbsp;&nbsp;&nbsp; = $50,712.88<br> XXXX&nbsp;&nbsp;&nbsp;&nbsp; = $36,682.75&nbsp;&nbsp;&nbsp;&nbsp; <br>Provide satisfactory evidence of reserves in the amount of $14,196.49.<br>Not Resolved 12/01/2025: The received asset worksheet does not resolve the condition. The borrower owns a total of 13 REO properties. Per guideline requirements, 15 months of reserves are needed, totaling $182,008.50. The borrower has verified assets of $167,812.01, resulting in a reserve shortfall of $14,196.49.<br>Resolved 12/16/2025: Resolved as current reserves are calculated at 6 months of subject PITIA and 2 months for all other open mortgages. 15 months reserves on PITIA is NOT required. | Resolved 12/16/2025: Resolved as current reserves are calculated at 6 months of subject PITIA and 2 months for all other open mortgages. 15 months reserves on PITIA is NOT required. | Resolved 12/16/2025: Resolved as current reserves are calculated at 6 months of subject PITIA and 2 months for all other open mortgages. 15 months reserves on PITIA is NOT required. |  |  | QC Complete | 01/27/2026 | 01/27/2026 | 01/27/2026 | 11/13/2025 |
| 736 | XXXX | XXXX |  | XXXX | Washington | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | ZX0A44EV52W-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The total of XXXX loans with current transactions is $XXXX which is more than $3.5 million maximum<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 723 FICO exceeds the guideline requirement of 700.<br>DTI: 17.927% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 67.55% LTV is less than the guideline requirement of 80.00%.<br>|  | QC Complete | 01/27/2026 |  |  | 11/13/2025 |
| 737 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | BILX1Z5OSMI-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 12/16/2025: Received Initial Closing Disclosure dated 11/03/2025 and exception is cleared. | Resolved 12/16/2025: Received Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. | Resolved 12/16/2025: Received Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. |  |  | QC Complete | 12/02/2025 | 12/16/2025 | 12/16/2025 | 12/02/2025 |
| 738 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 551ASEVJCPF-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Appraisal - Exception to use the higher value of two appraisals received. <br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 746 FICO exceeds the guideline requirement of 700.<br> Residual income: $109,175.51 Months<br>|  | QC Complete | 11/26/2025 |  |  | 11/21/2025 |
| 739 | XXXX | XXXX |  | XXXX | Michigan | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | 5TAM4MMQOGG-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Provide updated Appraisal, Hazard insurance & Title commitment with change in city name from XXXX to XXXX city which is matching the Note and Mortgage.<br>Resolved 12/18/2025 - Received corrected appraisal, condition resolved. | Resolved 12/18/2025 - Received corrected appraisal, condition resolved. | Resolved 12/18/2025 - Received corrected appraisal, condition resolved. |  |  | QC Complete | 12/11/2025 | 12/18/2025 | 12/18/2025 | 12/11/2025 |
| 745 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | HBZ4JH3LTRN-KMWEVJ70 | Resolved | 3 | R | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | The Loan Calculations section on page 5 of the Final Closing Disclosure is missing. Provide the complete 5-page Final Closing Disclosure.<br>Not Resolved 12/03/2025: Received Final Closing Disclosure, but 5th page Loan calculations details are blank.<br>Resolved 12/09/2025: Received Final Closing Disclosure dated XX/XX/XXXX and exception is cleared. | Resolved 12/09/2025: Received Final Closing Disclosure dated XX/XX/XXXX and exception is cleared. | Resolved 12/09/2025: Received Final Closing Disclosure dated XX/XX/XXXX and exception is cleared. |  |  | QC Complete | 11/26/2025 | 12/09/2025 | 12/09/2025 | 11/26/2025 |
| 752 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Doc Issue | UVCP0LWY1MX-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 12/12/2025 - Received title insured amount, condition resolved. | Resolved 12/12/2025 - Received title insured amount, condition resolved. | Resolved 12/12/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 12/09/2025 | 12/12/2025 | 12/12/2025 | 12/05/2025 |
| 752 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | UVCP0LWY1MX-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.940% Allowed 7.670% +Overby 1.270%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/09/2025 | 12/09/2025 | 12/09/2025 | 12/08/2025 |
| 756 | XXXX | XXXX |  | XXXX | Missouri | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | O2XUYDCRBAA-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.929% Allowed 7.810% Overby +0.119%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35.<br>| This loan is compliant with regulation 1026.35.<br>|  |  | QC Complete | 12/05/2025 | 12/05/2025 | 12/05/2025 | 12/04/2025 |
| 761 | XXXX | XXXX |  | XXXX | Wisconsin | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | L3GNB3DON1O-1UJL4VOR | Resolved | 3 | R | \* Missing Initial LE (Lvl R) | Missing Initial Loan Estimate.<br>Resolved 11/21/2025: Received Initial Loan Estimate dated 09/24/2025 and exception is cleared. | Resolved 11/21/2025: Received Initial Loan Estimate dated 09/24/2025 and exception is cleared. | Resolved 11/21/2025: Received Initial Loan Estimate dated 09/24/2025 and exception is cleared. |  |  | QC Complete | 11/13/2025 | 11/21/2025 | 11/21/2025 | 11/13/2025 |
| 765 | XXXX | XXXX |  | XXXX | Hawaii | XX/XX/XXXX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | AGB5XCAUKQL-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Appraisal condotel less than 500 SF and no bedrooms <br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 758 FICO exceeds the guideline requirement of 720.<br>LTV: 75.00% LTV is less than the guideline requirement of 85.00%.<br>DSCR: 1.17 DSCR exceeds the guideline requirement of 1.00. |  | QC Complete | 11/12/2025 |  |  | 11/12/2025 |
| 766 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | Q1E5QTQVJ2J-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | EAD/Visa/Green Card: Requesting exception to permit EAD with category C09<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 705 FICO exceeds the guideline requirement of 700.<br>DTI: 33.98% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 12 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 12/15/2025 |  |  | 12/15/2025 |
| 775 | XXXX | XXXX |  | XXXX | Colorado | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | B0IJHMKSYT4-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XXXX, however, the Note reflects a loan amount of $XXXX<br>Resolved 12/17/2025 - Received title insured amount, condition resolved. | Resolved 12/17/2025 - Received title insured amount, condition resolved. | Resolved 12/17/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 01/27/2026 | 01/27/2026 | 01/27/2026 | 12/04/2025 |
| 775 | XXXX | XXXX |  | XXXX | Colorado | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Credit | B0IJHMKSYT4-53UNNI64 | Waived | 2 | W | \* Excessive DTI (Lvl W) | Loan files do not meet guideline requirements. However, the exception approval letter is available in the loan file. Allow DTI 52% on rate & term refinance.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 79.04% LTV is less than the guideline requirement of 90.00%.<br>FICO: 801 FICO exceeds the guideline requirement of 720. |  | QC Complete | 01/27/2026 |  |  | 01/27/2026 |
| 783 | XXXX | XXXX |  | XXXX | Maryland | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | L5A2RYE4GZR-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.048% Allowed 7.740% Overby +0.308%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/26/2025 | 11/26/2025 | 11/26/2025 | 11/26/2025 |
| 783 | XXXX | XXXX |  | XXXX | Maryland | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | L5A2RYE4GZR-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Credit: Housing Payment History - Borrower is FTHB living rent free in family home<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 780 FICO exceeds the guideline requirement of 720.<br>Reserves: The 16 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 11/26/2025 |  |  | 11/21/2025 |
| 783 | XXXX | XXXX |  | XXXX | Maryland | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | L5A2RYE4GZR-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).<br>MD COMAR Higher-Priced Mortgage Loan Test: Charged 8.048% Allowed 7.740% Overby +0.308%<br>This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). | This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). | This loan is compliant with regulation MD COMAR, (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6). |  |  | QC Complete | 11/26/2025 | 11/26/2025 | 11/26/2025 | 11/26/2025 |
| 784 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | Z44KFYJVSGV-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | There is no evidence of the required Flood Insurance for the subject property found in the loan file. A copy of a valid Flood insurance policy Is required to be in the file and effective date must be on or before the close of escrow / note date.<br>Resolved 11/21/2025 - Received insurance covering with the Note date, condition resolved. | Resolved 11/21/2025 - Received insurance covering with the Note date, condition resolved. | Resolved 11/21/2025 - Received insurance covering with the Note date, condition resolved. |  |  | QC Complete | 01/27/2026 | 01/27/2026 | 01/27/2026 | 11/14/2025 |
| 784 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | Z44KFYJVSGV-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | According to FEMA, The subject property IS located in a Flood Zone. When the subject property is located in a Flood zone, the requirement is to document the borrowers acknowledgment with a borrower signed copy of The Flood certification document (Dated prior to or on the date of close / note date). \*A signed copy of the subject's Flood cert is not found in the loan file & is required.<br>Resolved 11/21/2025 - Received Flood disclosure with signature, condition resolved. | Resolved 11/21/2025 - Received Flood disclosure with signature, condition resolved. | Resolved 11/21/2025 - Received Flood disclosure with signature, condition resolved. |  |  | QC Complete | 01/27/2026 | 01/27/2026 | 01/27/2026 | 11/14/2025 |
| 786 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | DVXY1DFT2LQ-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.950% Allowed 8.670% Overby +0.280%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 12/11/2025 | 12/11/2025 | 12/11/2025 | 12/10/2025 |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2026-NQM3**

**By Clarifii LLC on February 2, 2026**

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 1

**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 24 Loan (the "Loans") originated by a correspondent lender and acquired by Rithm Capital, LLC. (the "Clients") for the NRMLT 2026-NQM3 transaction. The loan referenced in this narrative report was reviewed between 10/2025 and 11/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;6 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$3226000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;18 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$10918947.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$14144947.00** |

---

The Review consisted of a population of 24 Loan, with an aggregate principal balance of $14,144,947.00.

**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 Clients 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.

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 2

![](ex99-2_001.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;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the Clients 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 Compare Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Short Term Rent Source |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Verified Doc Type |

---

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 3

**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 Clients, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 4

![](ex99-2_001.jpg)

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

- 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

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 5

![](ex99-2_001.jpg)

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

&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** 

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 6

![](ex99-2_001.jpg)

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

&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).

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 7

![](ex99-2_001.jpg)

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 8

![](ex99-2_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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).

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 9

![](ex99-2_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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.

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 10

![](ex99-2_001.jpg)

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 11

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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) 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.

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 12

![](ex99-2_001.jpg)

&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.

**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 or<br> Acceptable UCDP Risk <br> Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**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, clients, 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. |

---

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 13

**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. |

---

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 14

![](ex99-2_001.jpg)

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &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;**24** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &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;**24** | &nbsp;&nbsp;**100.00%** |

---

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 15

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &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;**24** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &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;**24** | &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;Fixed | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$14144947.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$14144947.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;13 | &nbsp;&nbsp;54.17% | &nbsp;&nbsp;$10345900.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.16% | &nbsp;&nbsp;$281547.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;10 | &nbsp;&nbsp;41.67% | &nbsp;&nbsp;$3517500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$14144947.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;11 | &nbsp;&nbsp;45.83% | &nbsp;&nbsp;$6865250.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;13 | &nbsp;&nbsp;54.17% | &nbsp;&nbsp;$7279697.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$14144947.00** |

---

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 16

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$14144947.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$14144947.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$14144947.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$14144947.00** |

---

**DATA COMPARE RESULTS**

Clarifii provided Clients 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 Compare Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;6 | &nbsp;&nbsp;24 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;11 | &nbsp;&nbsp;24 | &nbsp;&nbsp;54.17% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;24 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;24 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;24 | &nbsp;&nbsp;79.17% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Short Term Rent Source | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;95.83% |

---

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 17

![](ex99-2_001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

*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.

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 18

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XX | XX | 10-XX-2025 | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XX | XX | 10-XX-2025 | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | 68.57 | 68.57 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX | 0 | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | 74.59 | 74.59 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | 59.87 | 59.87 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | 67.0 | 67.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | 32.12 | 32.12 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | 79.95 | 79.95 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | 52.55 | 52.55 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-XX-2027 |
| XXXX | XX | XX | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | 67.18 | 67.18 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | 65.32 | 65.32 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | XXXX | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | XXXX | -.0239 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0239 | XX | Moderate | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XX | XX | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| XXXX | XX | XX | 10-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| Dummy ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 859 | XX | XX | XX | XX A |
| 860 | XX | XX | XX | XX C A |
| 861 | XX | XX | XX | XX C A |
| 862 | XX | XX | XX | XX A C |
| 863 | XX | XX | XX | XX C A |
| 864 | XX | XX | XX | XX C A |
| 865 | XX | XX | XX | XX C A |
| 866 | XX | XX | XX | XX A |
| 867 | XX | XX | XX | XX D A |
| 868 | XX | XX | XX | XX D A |
| 869 | XX | XX | XX | XX A |
| 870 | XX | XX | XX | XX A D |
| 871 | XX | XX | XX | XX A |
| 872 | XX | XX | XX | XX A |
| 873 | XX | XX | XX | XX A |
| 874 | XX | XX | XX | XX C A |
| 875 | XX | XX | XX | XX A C |
| 876 | XX | XX | XX | XX A |
| 877 | XX | XX | XX | XX C A |
| 878 | XX | XX | XX | XX A |
| 879 | XX | XX | XX | XX C A |
| 880 | XX | XX | XX | XX D A |
| 881 | XX | XX | XX | XX D A |
| 882 | XX | XX | XX | XX A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **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** |
| 859 | XX | XX | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XX | LA | Investment | Refinance | Cash Out - Other |  |  |  |
| 860 | XX | XX | XX C A | Closed | FCRE1440 | 2025-10-20 13:08 | 2025-11-13 14:13 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement confirming sept payment made. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-There is no mortgage against primary property. - Seller-11/XX/2025 <br>Counter-Supplemental Report provide for the subject, please provide the payment history for the primary residence. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Counter-Received payoff. Payoff document interest to October 7 IAO $5567.23. Daily interest is noted as 133.26, which would indicate more than 30 days of interest. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Need updated pay history for borrower's primary residence mortgage reporting on the credit report. Subject loan closed 10/XX/2025. Credit supplement shows borrower still due for 09/2025 payment. - Due Diligence Vendor-10/XX/2025 | Ready for Review-There is no mortgage against primary property. - Seller-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-Received credit supplement confirming sept payment made. - Due Diligence Vendor-11/XX/2025<br>| Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 2 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 761 Min FICO = 660 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | LA | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 861 | XX | XX | XX C A | Closed | FCRE1510 | 2025-10-20 13:39 | 2025-10-22 11:38 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded DOT including Exhibit A. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The legal description was not attached to the mortgage. There is a page attached that states Exhibit A Legal Description but no actual legal description was present on the document. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-Received Recorded DOT including Exhibit A. - Due Diligence Vendor-10/XX/2025<br>| DSCR % greater than 1.20 - DSCR % is 2.036, minimum required 1.0<br>Qualifying FICO score is at least 20 points above minimum for program - 787 qualifying FICO score, 640 minimum score required.<br>Months Reserves exceed minimum required - 2 Months required, 131 months verified. |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | ME | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 862 | XX | XX | XX C A | Closed | finding-3617 | 2025-10-27 14:58 | 2025-11-03 10:05 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved------Received PCCD dated 10/XX/2025. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/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 10/XX/2025, but closing date is 10/XX/2025. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved------Received PCCD dated 10/XX/2025. Finding Resolved. - Due Diligence Vendor-11/XX/2025<br>| LTV is less than guideline maximum - LTV is 68.57% and max allowed is 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 807 and minimum allowed is 620 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 863 | XX | XX | XX C A | Closed | FCRE8702 | 2025-10-22 14:31 | 2025-10-29 13:27 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-The Business Entity Formation Document is not incomplete - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Counter-Received Certificate of Good Standing, EIN, and Articles of Organization. Still missing Operating Agreement. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Open-The Business Entity Formation Document is incomplete Missing Certificate of Good Standing. Articles of Organization, and Operating Agreement - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-The Business Entity Formation Document is not incomplete - Due Diligence Vendor-10/XX/2025<br>| Months Reserves exceed minimum required - 23.84 months available vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 734 vs. min FICO 660 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 863 | XX | XX | XX C A | Closed | FCRE1509 | 2025-10-23 09:55 | 2025-10-27 13:10 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Note with Addendum. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Open-There are Issues Present on the Note that must be addressed. Missing Prepayment Addendum - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-Received Note with Addendum. - Due Diligence Vendor-10/XX/2025<br>| Months Reserves exceed minimum required - 23.84 months available vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 734 vs. min FICO 660 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 864 | XX | XX | XX C A | Closed | FCRE1198 | 2025-10-23 08:41 | 2025-10-27 13:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received CD Balance Summary. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Borrower is short reserves - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-Received CD Balance Summary. - Due Diligence Vendor-10/XX/2025<br>| Qualifying DTI below maximum allowed - 39% vs. max DTI 50%<br>LTV is less than guideline maximum - 59.87% LTV vs. max LTV 90% |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 864 | XX | XX | XX C A | Closed | FCRE9501 | 2025-10-23 08:35 | 2025-10-27 13:20 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received CD summary. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-19430.18'. Assets are Insufficient. Lender included XX, was not provided. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-Received CD summary. - Due Diligence Vendor-10/XX/2025<br>| Qualifying DTI below maximum allowed - 39% vs. max DTI 50%<br>LTV is less than guideline maximum - 59.87% LTV vs. max LTV 90% |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 865 | XX | XX | XX C A | Closed | FCRE1440 | 2025-10-27 11:45 | 2025-10-30 13:01 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of rent payments. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lease agreement for current residence and evidence of the rental payments on 9/XX/25 and 8/XX/25 in file (p. XX); however, missing additional 10 months payment history. Notation on 9/XX/25 proof of payment states other payments shown on business bank statements. The business bank statements in file do not reflect payments in the amount of the rental payments. Provide proof of complete 12 month rental payment history. Additional findings may apply. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-Received proof of rent payments. - Due Diligence Vendor-10/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico of 760 exceeds 640 per guides<br>Qualifying DTI below maximum allowed - 50% DTI max - loan has 7.05% DTI |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 866 | XX | XX | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | MD | Primary Residence | Purchase | NA |  |  |  |
| 867 | XX | XX | XX D A | Closed | FCRE1325 | 2025-10-28 09:03 | 2025-10-30 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received validation of CPA license. Letter includes license, address and phone number of CPA. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Open-Borrower 1 CPA Letter Missing. Unable to validate the CPA letter due to missing the current/active license or certification for the preparer. Additionally, the letter from the CPA needs to be on their business letterhead showing address, phone number, and license number. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-Received validation of CPA license. Letter includes license, address and phone number of CPA. - Due Diligence Vendor-10/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 716 and minimum allowed is 620<br>LTV is less than guideline maximum - LTV is 50% and max allowed is 75% |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 868 | XX | XX | XX D A | Closed | FCRE1173 | 2025-10-23 08:43 | 2025-10-29 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received liability coverage. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Open-Missing Condo Master Insurance Policy Missing Master policy. provided was commercial insurance pdg 491. missing gen liability and fidelity coverage. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-Received liability coverage. - Due Diligence Vendor-10/XX/2025<br>| On time mortgage history exceeds guideline requirement - DTI 38.84% max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 790; minimum score 660. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | AZ | Second Home | Purchase | NA | N/A | N/A | XXXX |
| 868 | XX | XX | XX D A | Closed | FCRE0108 | 2025-10-23 08:43 | 2025-10-29 13:32 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Fidelity coverage. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Open-Fidelity Coverage not met. Missing Fidelity coverage. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-Received Fidelity coverage. - Due Diligence Vendor-10/XX/2025<br>| On time mortgage history exceeds guideline requirement - DTI 38.84% max 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 790; minimum score 660. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | AZ | Second Home | Purchase | NA | N/A | N/A | XXXX |
| 869 | XX | XX | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | GA | Investment | Refinance | Cash Out - Other |  |  |  |
| 870 | XX | XX | XX D A | Closed | FCOM1231 | 2025-10-22 13:53 | 2025-10-27 09:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved------Received copy of initial 1003. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Open-The Initial 1003 is Missing . Initial 1003 is required. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved------Received copy of initial 1003. Finding Resolved. - Due Diligence Vendor-10/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 808 and minimum allowed is 700<br>LTV is less than guideline maximum - LTV is 80% and max allowed is 90% |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 871 | XX | XX | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | TX | Investment | Purchase | NA |  |  |  |
| 872 | XX | XX | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | GA | Investment | Purchase | NA |  |  |  |
| 873 | XX | XX | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | NJ | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 874 | XX | XX | XX C A | Closed | FCRE0044 | 2025-10-27 14:46 | 2025-10-30 12:52 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Open-LOX for credit inquiries is missing. Missing the letter of explanation for the credit inquiries. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-Received credit inquiry LOE. - Due Diligence Vendor-10/XX/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 3.64% ; max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying fico 765; guideline minimum 660. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 875 | XX | XX | XX C A | Closed | finding-3634 | 2025-11-05 15:54 | 2025-11-11 09:55 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC. Finding resolved. - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $25.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $25.00 (Document Redraw) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $25.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expiration 10/XX/28.<br> - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. - Seller-11/XX/2025<br>| Resolved-Received COC. Finding resolved. - Due Diligence Vendor-01/XX/2026<br>| LTV is less than guideline maximum - 52.55% < 90% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 746 > 620 allowed |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| 876 | XX | XX | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 877 | XX | XX | XX C A | Closed | FCRE1510 | 2025-10-29 13:04 | 2025-11-03 14:13 | 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/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-10/XX/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The legal description attached to the mortgage does not contain the actual legal description as presented in the title. Pg 423. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-10/XX/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/XX/2025<br>| LTV is less than guideline maximum - 80% Allowed 65.32% subject<br>Qualifying FICO score is at least 20 points above minimum for program - 640 required subject 797 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| 878 | XX | XX | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | SC | Primary Residence | Purchase | NA |  |  |  |
| 879 | XX | XX | XX C A | Closed | FCRE8013 | 2025-10-30 16:22 | 2025-11-07 15:23 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received confirmation addendum A is legal description provided. Purchase contract received. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. The first three pages are for legal description. which means addendum A. - Seller-11/XX/2025 <br>Counter-Received purchase contract addendums: B, D, E and F--missing addendum A. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing A, B, D, E and F addendums to the contract - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. The first three pages are for legal description. which means addendum A. - Seller-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025<br>| Resolved-Received confirmation addendum A is legal description provided. Purchase contract received. - Due Diligence Vendor-11/XX/2025<br>| Months Reserves exceed minimum required - Required reserves is 2 months, qualified is 11<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualified is 738 |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | GA | Investment | Purchase | NA | N/A | N/A | XXXX |
| 880 | XX | XX | XX D A | Closed | FCRE1440 | 2025-10-30 17:06 | 2025-11-05 13:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received a lien release. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The departing residence on the co-borrower's loan application does not indicate a mortgage on the property. The loan file contains a property report for the departing residence which reflects a $XX mortgage. There is no documentation in the loan file that this mortgagewas paid off or that the co-borrower is not responsible for the payment. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-11/XX/2025<br>| Resolved-Received a lien release. - Due Diligence Vendor-11/XX/2025<br>| LTV is less than guideline maximum - LTV = 80% - Max LTV = 90%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 813 Min FICO = 640 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | SC | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 880 | XX | XX | XX D A | Closed | FCRE1157 | 2025-10-30 16:41 | 2025-11-05 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy and RCE. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Open-Missing Hazard Insurance Policy The hazard insurance was paid on the closing disclosure; however, the policy is missing from the loan file. - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. - Seller-11/XX/2025<br>| Resolved-Received HOI policy and RCE. - Due Diligence Vendor-11/XX/2025<br>| LTV is less than guideline maximum - LTV = 80% - Max LTV = 90%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 813 Min FICO = 640 |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | SC | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 881 | XX | XX | XX D A | Closed | FCRE1152 | 2025-11-03 10:57 | 2025-11-10 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Calculation. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Counter-Received property tax cert. Provide calculation of re taxes considered. (review is unable to mirror using 1.25% or current re taxes) - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025<br>| Resolved-Received Tax Calculation. - Due Diligence Vendor-11/XX/2025<br>| Qualifying DTI below maximum allowed - DTI is 41.14%. Max DTI allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 767. Min FICO required is 700. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 881 | XX | XX | XX D A | Closed | FCRE1480 | 2025-11-03 11:42 | 2025-11-10 14:18 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received LOE. $140k was needed for closing. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Counter-Received title receipt for $140k. Gift is for $163k-finding remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence of the transfer of gift funds for $163,000 from the donor's account to the borrower's account or to the closing agent or a copy of the donor's check to the closing agent. - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025<br>| Resolved-Received LOE. $140k was needed for closing. - Due Diligence Vendor-11/XX/2025<br>| Qualifying DTI below maximum allowed - DTI is 41.14%. Max DTI allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 767. Min FICO required is 700. |  | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XX | CA | Primary Residence | Purchase | NA | N/A | N/A | XXXX |
| 882 | XX | XX | XX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | XX | MA | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **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?** |
| 859 | XX | XX | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860 | XX | XX | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861 | XX | XX | XX | XX | 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 |
| 862 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2340 | 6.731 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6235.33 | Yes | Employed |  | No |  | No |  |
| 863 | XX | XX | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 864 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16130 | 6.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19620.01 | N/A | Employed |  | No |  | No |  |
| 865 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 27245 | 6.899 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 400281.54 | Yes | Employed |  | No |  | No |  |
| 866 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5745 | 6.89 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3354.5 | Yes | Employed |  | No |  | No |  |
| 867 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7862.4 | 6.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38101.94 | Yes | Employed |  | No |  | No |  |
| 868 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6070.14 | 6.71 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18596.49 | N/A | Employed | Not Employed | No | No | No |  |
| 869 | XX | XX | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 870 | XX | XX | XX | XX | 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 | 24771 | 7.236 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 136849.68 | Yes | Employed |  | No |  | No |  |
| 871 | XX | XX | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 872 | XX | XX | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 873 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10795 | 6.795 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10331.85 | N/A | Employed |  | No |  | No |  |
| 874 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2340 | 6.948 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 249056.46 | Yes | Employed |  | No |  | No |  |
| 875 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2365 | 6.547 | Yes | N/A | N/A | Yes | N/A | Yes | N/A | N/A | Yes | Yes | 6833.01 | Yes | Employed | Employed | No | No | No |  |
| 876 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17282.5 | 6.89 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20695.98 | Yes | Employed |  | No |  | No |  |
| 877 | XX | XX | XX | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 878 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5995 | 6.947 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4251.65 | Yes | Employed |  | No |  | No |  |
| 879 | XX | XX | XX | XX | 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 | 6640.88 | Yes | Employed |  | No |  | Yes | Present |
| 880 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5515 | 6.998 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3514.83 | Yes | Not Employed | Employed | No | No | No |  |
| 881 | XX | XX | XX | XX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7770 | 6.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6622.25 | Yes | Employed |  | No |  | No |  |
| 882 | XX | XX | XX | XX | 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 |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 859 | XX | XX | XX | XX | Borrower 1 Last Name | notePage | XX | XX | Per Note |
| 860 | XX | XX | XX | XX | Borrower 1 Last Name | notePage | XX | XX | per Note |
| 861 | XX | XX | XX | XX | Interest Only Flag | notePage | Yes | No | Per Note |
| 862 | XX | XX | XX | XX | Borrower 1 Last Name | notePage | XX | XX | Per Note |
| 865 | XX | XX | XX | XX | Borrower 1 Last Name | notePage | XX | XX | Per Note |
| 865 | XX | XX | XX | XX | Borrower 1 FTHB | the1003Page | true | N | per 1003 FTHB |
| 866 | XX | XX | XX | XX | Borrower 1 FTHB | the1003Page | true | N | per Final 1003 |
| 867 | XX | XX | XX | XX | Borrower 1 Last Name | notePage | XX | XX | Per Note |
| 867 | XX | XX | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.82 | 26.23 | Audit is within 1% of the 1008 |
| 868 | XX | XX | XX | XX | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc | per Income Documentation submitted |
| 874 | XX | XX | XX | XX | Borrower 1 Last Name | notePage | XX | XX | per note |
| 874 | XX | XX | XX | XX | Borrower 1 FTHB | the1003Page | true | N | Per the documents borrower has no ownership in 3 years. |
| 875 | XX | XX | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.73 | 49.82 | Audit DTI within 2% of Lender DTI on 1008 |
| 876 | XX | XX | XX | XX | Borrower 1 Last Name | notePage | XX | XX | per note |
| 876 | XX | XX | XX | XX | Qualifying LTV | propertyValuationPage | 67.18 | 74.29 | Loan Amount/Appraised Value. |
| 876 | XX | XX | XX | XX | Primary Appraised Property Value | propertyValuationPage | XX | XX | Per appraisal |
| 876 | XX | XX | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.05 | 40.28 | Audit DTI in line with 1008 |
| 877 | XX | XX | XX | XX | Loan Amount | notePage | XX | XX | Per Note. |
| 877 | XX | XX | XX | XX | Primary Appraised Property Value | propertyValuationPage | XX | XX | Appraisal value in line with 1008 |
| 877 | XX | XX | XX | XX | Qualifying LTV | propertyValuationPage | 65.32 | 70.00 | Loan amount/ Appraised value. LTV in line with 1008 |
| 877 | XX | XX | XX | XX | Calculated DSCR | diligenceFinalLookPage | 1.003 | 1.1586871241839964 | Audit used Market Rent/ PITIA. |
| 878 | XX | XX | XX | XX | Borrower 1 FTHB | the1003Page | true | N | Per 1003 |
| 878 | XX | XX | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title/PUD Rider |
| 878 | XX | XX | XX | XX | Primary Appraised Property Value | propertyValuationPage | XX | XX | True is appraised value, tape is purchase price |
| 878 | XX | XX | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.12 | 45.84 | Audit DTI within 2% of lender DTI on 1008 |
| 879 | XX | XX | XX | XX | Borrower 1 Last Name | notePage | XX | XX | per note |
| 879 | XX | XX | XX | XX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| 880 | XX | XX | XX | XX | Borrower 1 Last Name | notePage | XX | XX | Per Note |
| 880 | XX | XX | XX | XX | Borrower 1 FTHB | the1003Page | true | N | Per Final 1003 for B1 - B2 is not a FTHB |
| 880 | XX | XX | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.15 | 38.93 | Total debts/ Income. Audit income & debts match 1003. |
| 881 | XX | XX | XX | XX | Amortization Term | notePage | 360 | Fixed | Per Note |
| 881 | XX | XX | XX | XX | Borrower 1 Last Name | notePage | XX | XX | per note |
| 881 | XX | XX | XX | XX | Borrower 1 FTHB | the1003Page | true | N | per 1003 |
| 882 | XX | XX | XX | XX | Interest Only Flag | notePage | Yes | No | per note |
| 882 | XX | XX | XX | XX | Loan Amount | notePage | XX | XX | per note |
| 882 | XX | XX | XX | XX | Borrower 1 Last Name | notePage | XX | XX | per note |
| 882 | XX | XX | XX | XX | Qualifying LTV | propertyValuationPage | 70 | 66.91 | Loan Amount/Appraised Value. |
| 882 | XX | XX | XX | XX | Calculated DSCR | diligenceFinalLookPage | 1.808 | 1.8748741014223909 | DSCR in line with 1008 |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 859 | XX | XX | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2200 | 1850 | Appraisal - 1007 |  | N/A |  |  | 1850 | Appraisal - 1007 | No | 82.42 | 1.213 | 1.213 | 1524.7 | 2200 | 10-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1850 |  |  |  |  |  |  |  | No | 1.4 | 1 | 1 | N/A | 9.09 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 860 | XX | XX | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1900 | 2000 | Appraisal - 1007 |  | N/A |  |  | 1900 | Actual In Place Rent | No | 96.4 | 1.037 | 1.037 | 1831.61 | 1900 | 10-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1900 |  |  |  |  |  |  |  | No | 4.4 | 1 | 1 | N/A | 23.17 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 861 | XX | XX | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2854 | Appraisal - 1025 |  | N/A |  |  | 2854 | Appraisal - 1025 | No | 49.11 | 2.036 | 2.036 | 1401.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2854 |  |  |  |  |  |  |  | No | 2.9 | 1 | 1 | N/A | 131.66 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 863 | XX | XX | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 6000 | 6000 | Appraisal - 1025 |  | N/A |  |  | 6000 | Appraisal - 1025 | No | 99.69 | 1.003 | 1.003 | 5981.11 | 3000 | 10-31-2026 | 12 | 3000 | 08-15-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6000 |  |  |  |  |  |  |  | No | 3.5 | 1 | 1 | N/A | 23.84 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX |
| 869 | XX | XX | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2850 | 2850 | Appraisal - 1007 |  | N/A |  |  | 2850 | Appraisal - 1007 | No | 80.63 | 1.24 | 1.24 | 2297.98 | 2850 | 09-10-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2850 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 126.03 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 871 | XX | XX | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 98.13 | 1.012 | 1.019 | 1864.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 21.24 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 872 | XX | XX | XX | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 99.93 | 1.001 | 1.001 | 2098.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.47 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX |
| 877 | XX | XX | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 7650 | 6200 | Appraisal - 1025 |  | N/A |  |  | 6200 | Appraisal - 1025 | No | 99.69 | 1.159 | 1.003 | 6180.71 | 3700 | 12-30-2025 | 12 | 3950 | 01-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6200 |  |  |  |  |  |  |  | No | 11.6 | 1 | 1 | N/A | 58.75 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 879 | XX | XX | XX | XX | XX | Written Verification of Employment | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 123.93 | NA | 0 | 2974.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.09 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 882 | XX | XX | XX | XX | XX | Debt Service Coverage Ratio | Present | Yes | 6236 | 6300 | Appraisal - 1007 |  | N/A |  |  | 6236 | Actual In Place Rent | No | 55.31 | 1.8 | 1.808 | 3449.18 | 2200 | 08-31-2026 | 12 | 2536 | 10-31-2025 | 12 | 1500 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6236 |  |  |  |  |  |  |  | No | 2.6 | 1 | 1 | N/A | 12 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.3

**Exhibit 99.3**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Rithm Capital. The review included a total of 63 newly originated residential mortgage loans acquired through a bulk purchase, in connection with the securitization identified as NRMLT 2026-NQM3 (the "Securitization"). The Review was conducted from October 2025 through December 2025 on mortgage loans originated between September 2025 and November 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

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

&nbsp;&nbsp;&nbsp;&nbsp;c. Review borrower's occupancy

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

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

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

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

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (63 loans in total):

Five (5) loans had a Secondary Appraisal, fourteen (14) loans had an AVM, one (1) loan had a Field Review, and twenty-six (26) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were three (3) occurrences of this.

Two (2) loans had a Second Desk Review and zero (0) loans had a Full Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the sixty-three (63) mortgage loans reviewed, forty-five (45) unique mortgage loans (71.43% by loan count) had a total of one hundred fifty-nine (159) discrepancies across twenty-nine (29) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;31 | &nbsp;&nbsp;19.50% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;21 | &nbsp;&nbsp;13.21% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;17 | &nbsp;&nbsp;10.69% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;9 | &nbsp;&nbsp;5.66% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;4.40% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;7 | &nbsp;&nbsp;4.40% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.14% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.14% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.14% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.52% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.26% |
| &nbsp;&nbsp;Mo Pymt (P&I) | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.26% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.26% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.26% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.26% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.26% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.26% |
| &nbsp;&nbsp;Property No Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Index | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**159** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 59 | $41143991.00 | 93.65% |
| Event Grade B | 4 | $3428700.00 | 6.35% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 63 | $44572691.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 60 | 95.24% |
| Event Grade B | 3 | 4.76% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 63 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 26 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 26 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 26 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 36 | 97.30% |
| Event Grade B | 1 | 2.70% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 37 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 63 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 63 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Mortgage Payment History Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Not Executed | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Purchase Contract does not Match Final CD | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***63*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Cashout not Allowed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Not Executed | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CHARM Booklet is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;ARM Disclosure Not Provided Within 3 Days of Application Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;ARM Disclosure is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Timing of Disclosure Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Right of Rescission is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Late Fee Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TX SB 1581 High-Cost Home Loan Credit Transaction Points and Fees Threshold Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;High-Cost Mortgage Points and Fees Threshold Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;High-Cost Mortgage Pre-Loan Counseling Date Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***44*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***40*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 831 | XXXX |  |  | XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 809 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 820 | XXXX |  |  | XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 842 | XXXX |  |  | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 886 | XXXX |  |  | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 819 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 808 | XXXX |  |  | XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 803 | XXXX |  |  | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 849 | XXXX |  |  | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 847 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 885 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 818 | XXXX |  |  | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 814 | XXXX |  |  | XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 858 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 856 | XXXX |  |  | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 824 | XXXX |  |  | XXXX D | C | C | C | C | C D A | A | A | A | A | A |
| 815 | XXXX |  |  | XXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 853 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 883 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 825 | XXXX |  |  | XXXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 851 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 843 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 823 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 807 | XXXX |  |  | XXXX B | B | B | B | B | B A | A | A | A | A | A B |
| 855 | XXXX |  |  | XXXX A | D | D | D | D | D A | A | A | A | A | A |
| 857 | XXXX |  |  | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 828 | XXXX |  |  | XXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 826 | XXXX |  |  | XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 852 | XXXX |  |  | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 889 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 848 | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 833 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854 | XXXX |  |  | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 840 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 887 | XXXX |  |  | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 830 | XXXX |  |  | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 806 | XXXX |  |  | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 812 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 822 | XXXX |  |  | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 850 | XXXX |  |  | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 888 | XXXX |  |  | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 832 | XXXX |  |  | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 844 | XXXX |  |  | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 813 | XXXX |  |  | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 805 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 816 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 821 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 817 | XXXX |  |  | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 829 | XXXX |  |  | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 811 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 846 | XXXX |  |  | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 810 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 884 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 804 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 827 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 841 | XXXX |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 836 | XXXX | XXXX |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 838 | XXXX | XXXX |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 839 | XXXX | XXXX |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 835 | XXXX | XXXX |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 834 | XXXX | XXXX |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 837 | XXXX | XXXX |  | XXXX A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 831 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. The defect can be cured by providing the intent to proceed. | Document Uploaded. | 10/16/2025 | Proof of Intent to Proceed has been provided.; The intent to proceed is missing. The intent to proceed is missing. | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.87% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 806 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 40.87% is less than Guideline LTV of 70% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 831 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within 3 business days of application XX/XX/XXXX. The document provided states affiliates weren't used, but doesn't state who the affiliates are. | Document Uploaded. | 10/14/2025 | Required Affiliated Business Disclosure Documentation Provided | 10/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.87% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 806 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 40.87% is less than Guideline LTV of 70% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 831 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.87% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 806 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 40.87% is less than Guideline LTV of 70% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 809 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TN | ATR/QM: Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 7.64 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 809 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TN | ATR/QM: Exempt | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.64 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 820 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature date 10/7/25.<br> The signed consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature date 10/7/25. | Document Uploaded. | 11/03/2025 | Evidence of eConsent is provided. | 11/03/2025 | Borrower has stable job time - Borrower has 5.13 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 18.1% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.96% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 62.96% is less than Guideline LTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 820 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 5.13 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 18.1% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.96% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 62.96% is less than Guideline LTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 820 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 5.13 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 18.1% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.96% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 62.96% is less than Guideline LTV of 80% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 842 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing purchase contract addendum listing change in purchase price to $XXXX | Document Uploaded. | 10/31/2025 | Purchase Contract Doc is complete.; Received lender certification with final settlement statement indicating a contract price of $XXXX | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.12% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.12% is less than Guideline CLTV of 65% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 842 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FCOM3813 | Credit | Purchase Contract does not Match Final CD | The final CD does not reflect the correct sales price when compared to the Purchase Contract. Truth in Lending Act (Regulation Z)<br> 12 CFR 1026.38(a)(3)(vii) Missing purchase contract addendum with correct sales price. | Document Uploaded. | 10/31/2025 | The sales price on the Purchase Contract and Final CD match.; Received lender certification with final settlement statement indicating a contract price of $XXXX | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.12% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.12% is less than Guideline CLTV of 65% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 842 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.12% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.12% is less than Guideline CLTV of 65% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 842 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.12% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.12% is less than Guideline CLTV of 65% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 886 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | 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 $705.00.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). TILA 130b Cure Required. Refund in the amount of $705.00; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $705.00 is due to addition of XXXX Report fee of $205 and additional the Purchase fee of $495. COC in file dated 10/09/2025 does not provide a sufficient reason for the increase/addition of these fees.  | Document Uploaded. ; Document Uploaded. COC on file disclosed the fees. | 11/14/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception 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 $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).; Please provide clarification if this is guideline/investor related for the fees to increase? The reason on the COC is not sufficient enough | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of 26.53% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.24 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 699 is greater than Guideline minimum FICO of 680 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 886 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 26.53% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.24 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 699 is greater than Guideline minimum FICO of 680 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 886 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 26.53% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 7.24 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 699 is greater than Guideline minimum FICO of 680 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 819 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 9.88 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 21.67% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 819 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 9.88 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 21.67% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 819 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 9.88 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 782 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 21.67% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 808 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. The signed documents consent is missing. Provide consent dated on or before 09/11/25. | Document Uploaded. | 11/04/2025 | Evidence of eConsent is provided. | 11/04/2025 | Borrower has stable job time - Borrower has 2.67 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 801 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 808 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 2.67 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 801 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 808 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.67 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 801 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 803 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | SC | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing 3rd party VOE within 10 days of closing is missing | Document Uploaded. | 11/04/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; A verbal verification of employment within 10 business days of the note date was provided. | 11/05/2025 | Borrower has stable job time - Borrower has 3.96 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 775 is greater than Guideline minimum FICO of 760 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 803 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | SC | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.96 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 775 is greater than Guideline minimum FICO of 760 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 849 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | The file does not contain a third Party Valuation Product with a 10% Tolerance. | Document Uploaded. ; Document Uploaded. | 11/10/2025 | Third party valuation product provided within tolerance.; A CDA Report with 0% variance to the appraised value was received. ; According to the lender guidelines an acceptable review product include a XXXX Desk Review, Field Review, Second full appraisal or an appraisal review product can be waived if the loan is submitted to Collateral Underwriter and receives a FNMA SSR score of 2.5 or lower. Missing an acceptable review product per the lender guidelines. | 11/11/2025 | Borrower has stable job time - Borrower has 3.18 years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 849 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 3.18 years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 849 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 3.18 years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 847 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 814 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 847 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 814 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 847 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 814 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 885 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 720<br>Borrower has stable job time - Borrower has 2.67 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 885 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 720<br>Borrower has stable job time - Borrower has 2.67 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 885 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 785 is greater than Guideline minimum FICO of 720<br>Borrower has stable job time - Borrower has 2.67 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 818 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | FCRE1481 | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record 3 Does Not Meet G/L Requirements Asset statement from XXXX used for qualifying funds to close/reserves does not reflect the account owner; account owner required to support use of the assets | Document Uploaded. ; Document Uploaded. The incorrect accts were used. See the attached. This will cover reserves and closing. | 11/13/2025 | Asset Record 3 Meets G/L Requirements Or Not Applicable; E Trade statement indicates account is owned by borrower 3. Assets are sufficient for loan closing. ; Lender comments indicate the incorrect accounts were used therefore removed the XXXX and used only the XXXX with a balance of $54,941.65 and XXXX with a balance of $11381.76 as provided. The total assets verified of $66,323.41 are insufficient for funds to close of $XXXX and reserves of $8636.25. Assets are short by $XXXX. If the XXXX with balance of $278,390.16 is to be considered and utilized for assets, evidence of account owner is required to support use of the assets. | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of 30.78% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 3.21 years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 818 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 30.78% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 794 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 3.21 years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 814 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Missing document - The signed documents consent is missing. | Document Uploaded. | 11/10/2025 | Evidence of eConsent is provided. | 11/10/2025 | Borrower has stable job time - Borrower has 5.27 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 15.8% is less than Guideline DTI of 50% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 814 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 5.27 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 15.8% is less than Guideline DTI of 50% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 814 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 5.27 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 15.8% is less than Guideline DTI of 50% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 858 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant - Escrowed and appraisal delivered within 3 business days of closing |  |  | HPML Compliant | 11/10/2025 | Borrower has stable job time - Borrower has 7.09 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 858 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 7.09 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 858 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.09 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | finding-1479 | Compliance | TX SB 1581 High-Cost Home Loan Credit Transaction Points and Fees Threshold Test | This loan failed the high-cost home loan credit transaction points and fees test due to one of the following findings: (TX SB 1581 Sec. 343.201 (1)(E))The date creditor received application is before January 10, 2014; and The total points and fees payable by the consumer at or before loan closing is $9,710.11, which exceeds the greater of 8 percent of the "total loan amount" (as defined in the official commentary to paragraph 32(a)(1)(ii)), or $632.00.The date creditor received application is on or after January 10, 2014; and The loan amount is $26,968.00 or more, and the transaction's total points and fees is $9,092.16, which exceeds 5 percent of the total loan amount of $XXXX; orthel loan amount is less than $26,968.00 and the transaction's total points and fees is $9,092.16, which exceeds the lesser of 8 percent of the total loan amount of $XXXX or $1,348.00. Max fees allowed 7,874.33, total fees $9092.16. Fees included are discount points $7202.16, processing $695 and UW $1195. An undiscounted/bona rate is required in order to exclude any of the discount points. | Document Uploaded. | 11/18/2025 | Client provided undiscounted rate for testing; exception resolved; Client provided undiscounted rate for testing; exception resolved | 11/19/2025 | Borrower has stable job time - Borrower has 5.67 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 856 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | finding-3408 | Compliance | High-Cost Mortgage Late Fee Test | This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(I))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; oral value for the late charges amount was not provided. Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. Max fees allowed 7,874.33, total fees $9092.16. Fees included are discount points $7202.16, processing $695 and UW $1195. An undiscounted/bona rate is required in order to exclude any of the discount points. | Document Uploaded. | 11/18/2025 | Client provided undiscounted rate for testing; exception resolved; Client provided undiscounted rate for testing; exception resolved | 11/19/2025 | Borrower has stable job time - Borrower has 5.67 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 856 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | finding-3406 | Compliance | High-Cost Mortgage Pre-Loan Counseling Date Test | This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(I), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orthel loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orthel loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orthel High-Cost Mortgage Pre-Loan Counseling Date was not provided; orthel High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date. Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. Max fees allowed 7,874.33, total fees $9092.16. Fees included are discount points $7202.16, processing $695 and UW $1195. An undiscounted/bona rate is required in order to exclude any of the discount points. | Document Uploaded. | 11/18/2025 | Client provided undiscounted rate for testing; exception resolved; Client provided undiscounted rate for testing; exception resolved | 11/19/2025 | Borrower has stable job time - Borrower has 5.67 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 856 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | finding-3393 | Compliance | High-Cost Mortgage Points and Fees Threshold Test | This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $26,968.00 or more, and the transaction's total points and fees is $9,092.16, which exceeds 5 percent of the total loan amount of $XXXX; orthel loan amount is less than $26,968.00 and the transaction's total points and fees is $9,092.16, which exceeds the lesser of 8 percent of the total loan amount of $XXXX or $1,348.00. Max fees allowed 7,874.33, total fees $9092.16. Fees included are discount points $7202.16, processing $695 and UW $1195. An undiscounted/bona rate is required in order to exclude any of the discount points. | Document Uploaded. | 11/18/2025 | Client provided undiscounted rate for testing; exception resolved; Client provided undiscounted rate for testing; exception resolved | 11/19/2025 | Borrower has stable job time - Borrower has 5.67 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 856 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | finding-3399 | Compliance | High-Cost Mortgage Timing of Disclosure Test | This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orthel High-Cost Mortgage Disclosure Date was not provided; or Neither the consummation date nor the closing date was provided. Max fees allowed 7,874.33, total fees $9092.16. Fees included are discount points $7202.16, processing $695 and UW $1195. An undiscounted/bona fide rate is required in order to exclude any of the discount points. | Document Uploaded. | 11/18/2025 | Client provided undiscounted rate for testing; exception resolved; Client provided undiscounted rate for testing; exception resolved | 11/19/2025 | Borrower has stable job time - Borrower has 5.67 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 856 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower at consummation. The appraisal acknowledgment disclosure confirms they waived the timing requirements but doesn't confirm they were provided a copy of the report at closing. | Document Uploaded. | 11/14/2025 | Evidence of appraisal delivery provided. | 11/18/2025 | Borrower has stable job time - Borrower has 5.67 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 856 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 5.67 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 856 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 5.67 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 824 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed | Document Uploaded. | 11/13/2025 | The Note is Executed; An executed Note was received. | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.22% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.22% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 788 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 29.23% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 11.84 years on job. A | C | A D | C D | C D | C D | C D | C A | A | A | A | A | A |
| 824 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Guidelines require a full appraisal with interior/exterior inspection. The full appraisal for the subject investment property is missing and must be provided. | Document Uploaded. | 11/13/2025 | Appraisal is Present or is Waived; An Appraisal for the subject property was provided. | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.22% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.22% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 788 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 29.23% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 11.84 years on job. A | C | A D | C D | C D | C D | C D | C A | A | A | A | A | A |
| 824 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed An executed Deed of Trust is required and must be provided. | Document Uploaded. | 11/13/2025 | The Deed of Trust is Executed; An executed Deed of Trust was provided. | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.22% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.22% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 788 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 29.23% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 11.84 years on job. A | C | A D | C D | C D | C D | C D | C A | A | A | A | A | A |
| 815 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | KY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Showing evidence that the borrowers consented to electronic communication at the time of initial disclosure, 10/7/2025, may cure the violation. | Document Uploaded. | 11/12/2025 | Evidence of eConsent is provided. | 11/20/2025 | Borrower has stable job time - Borrower has 2.7 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 815 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | KY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for credit inquiries within 90 days of the Note date, as required by guidelines, dated 10/06/2025. | Document Uploaded. | 11/19/2025 | Processor certification indicate inquiries were from the broker. | 11/20/2025 | Borrower has stable job time - Borrower has 2.7 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 815 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | KY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE6843 | Credit | Asset General | Missing evidence of wire transfer/check for $18,000 gift and $10,000 gift, given directly to title company at close, as required by guidelines, dated XX/XX/XXXX | Document Uploaded. | 11/12/2025 | Copies of gift checks for $10,000 and $18,000 to title company was received. | 11/12/2025 | Borrower has stable job time - Borrower has 2.7 years on job. D A C | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 815 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | KY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.7 years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 853 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | HPML compliant | 11/11/2025 | Borrower has stable job time - Borrower has 13.4 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 679 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 853 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 13.4 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 679 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 853 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 13.4 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 679 is greater than Guideline minimum FICO of 660 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 883 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 15.37% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.9 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 883 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 15.37% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.9 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 883 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 15.37% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 8.9 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 825 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | 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% ($7,445.00) exceed the comparable charges ($6,027.00) 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). TILA 130b Cure required: Cure of $815.30 required for charges that in total cannot increase more than 10%. The following fees increased: Settlement/Closing fee from $2000 to $3900 and endorsement fee from $100 to $200; the following fees were added: e-filing fee of $25, closing fee of $350, and notary fee of $250. Fees were completed by service provider therefore tested as 10%. Provide valid COC or cure. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Document Uploaded. ; LE title fees disclosed $5844. Final CD fees $7279. $5844=10%=$6428.40. $7279-$6428.40=$850.60 cure.<br> Please confirm you agree with this and I will proceed with cure. | 11/21/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Recording fees are included in the 10% calculation $5844 + $183 = $6027 +10% = $6629.70 Fees charged in C and recording fees $7445. $7445 - $6629.70 = $815.30 cure required | 11/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of 11.3% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.83 years on job. A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 825 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for credit inquiries within 90 days of the Note date, as required by guidelines, dated 10/06/2025. | Rebuttal: CB loans is the broker credit pull for this transaction. See the top of the credit report where it says "prepared for". Also see the date prepared which is 10/10 and matches the date of the inquiry on credit. Perhaps it was pulled twice. Not sure but the source is identified. The 2nd inquiry is XXXX. There was an acct opened the same month as the credit pull and that account is reporting on credit and the debt accounted for in the ratios. This is also fully addressed on the 1008. | 11/14/2025 | Lender validates the XXXX inquiry was an acct opened the same month as the credit pull and that account is reporting on credit and the debt accounted for in the ratios. CB loans inquiry is credit inquiry from the broker.  | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of 11.3% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.83 years on job. A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 825 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. The signed documents consent is missing. Provide consent dated on or before 10/14/25. | Document Uploaded. | 11/13/2025 | Evidence of eConsent is provided.; E-consent received | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of 11.3% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.83 years on job. A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 825 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 11.3% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.83 years on job. A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 851 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 807 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 807 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 807 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.85% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.85% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 36.69% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 823 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.85% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.85% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 36.69% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 823 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.85% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.85% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 36.69% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 823 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 823 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 5.44 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 823 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 5.44 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 762 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 807 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated 09/12/2025, however missing proof of e-consent on or before that date. | Document Uploaded. | 11/19/2025 | Evidence of eConsent is provided. | 11/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.57% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.57% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A B | A B | A B | A B | A |
| 807 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.57% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.57% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A B | A B | A B | A B | A |
| 807 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.57% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.57% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A B | A B | A B | A B | A |
| 807 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Acknowledged | FCRE1235 | Credit | Cashout not Allowed | Lender approved exception was documented in file for Cash Out refi with Non-Occupying Co-Borrower v/s guides only requiring Non-Co-Borrower on purchase / Rate & Term. Loan is also proceeding under Express to blend ratios for both borrowers v/s guides not allowing exceptions for Express using the following compensating factors: FICO above the minimum by 20 points or higher, VOR 0x30 in 24 months and Low LTV. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 25.57% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 25.57% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A B | A B | A B | A B | A |
| 855 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within 3 Days of Application Date, (XX/XX/XXXX). Provide the ARM disclosure and evidence it was provided to the consumer within 3 days of application XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 12/01/2025 | ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable.; ARM Disclosure dated, (XX/XX/XXXX) was not provided within 3 Days of Application Date, (XX/XX/XXXX). Please provide the actual ARM disclosure dated XX/XX/XXXX. | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.76% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.76% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 9.12 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 855 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCOM1271 | Compliance | CHARM Booklet is Missing | CHARM Booklet is Missing Provide evidence the CHARM booklet was sent to the borrower within 3 business days of application XX/XX/XXXX. | Document Uploaded. ; Previous upload provided in error and correct document will follow ; Document Uploaded. | 11/24/2025 | CHARM Booklet is Present or Not Applicable; No attachment included. Please include attachment. | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.76% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.76% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 9.12 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 855 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | FCOM1268 | Compliance | ARM Disclosure is Missing | ARM Disclosure is Missing. Provide the ARM Disclosure and evidence it was sent to the borrower within 3 business days of application XX/XX/XXXX | Document Uploaded. ; Document Uploaded. | 12/01/2025 | ARM Disclosure is Present or Not Applicable; ARM Disclosure is Missing. Please provide the actual ARM disclosure dated XX/XX/XXXX | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.76% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.76% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 9.12 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 855 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.76% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.76% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 9.12 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 855 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.76% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.76% is less than Guideline CLTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 793 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 9.12 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 857 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TN | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to Close is not dated. Guidelines require the Borrower's businesses to be verified by 3rd Party within 30 days of closing. Please provide 3rd Part VOE. | Document Uploaded. | 12/05/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Verification dates XX/XX/XXXX provided. | 12/05/2025 | Borrower has stable job time - Borrower has 2.29 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 857 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TN | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines required a Gap Credit Report within 30 days of closing. Please provide Gap Credit Report. | Document Uploaded. | 12/01/2025 | Borrower 1 Gap Credit Report is not missing.; Client provided Gap report dated XX/XX/XXXX | 12/02/2025 | Borrower has stable job time - Borrower has 2.29 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 857 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TN | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 2.29 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 857 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TN | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 2.29 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 828 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCOM1264 | Compliance | Right of Rescission is Not Executed | Right of Rescission is Not Executed | Document Uploaded. | 11/21/2025 | Right of Rescission is Executed, exception resolved.; Right of Rescission is Executed, exception resolved. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 703 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 10.61 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 828 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. The signed documents consent is missing. Provide consent dated on or before 10/16/2025. | Document Uploaded. | 11/21/2025 | E consent provided, exception resolved; Evidence of eConsent is provided. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 703 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 10.61 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 828 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed Note is not executed | Document Uploaded. | 11/21/2025 | The Note is Executed; note | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 703 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 10.61 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 828 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Deed of Trust is Not Executed | Document Uploaded. | 11/21/2025 | The Deed of Trust is Executed; signed DOT | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 703 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 10.61 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 828 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing Final 1003 is Missing | Document Uploaded. | 11/21/2025 | The Final 1003 is Present; 1003 | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 703 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 10.61 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 828 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 703 is greater than Guideline minimum FICO of 680<br>Borrower has stable job time - Borrower has 10.61 years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 826 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. The signed documents consent is missing. Provide e-signature dated on or before XX/XX/XXXX | Document Uploaded. | 11/25/2025 | Evidence of eConsent is provided. | 11/26/2025 | Borrower has stable job time - Borrower has 24.88 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.64% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.64% is less than Guideline LTV of 75% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 826 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 24.88 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.64% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.64% is less than Guideline LTV of 75% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 826 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 24.88 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.64% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 45.64% is less than Guideline LTV of 75% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 852 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | ID | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, escrows and appraisal delivery identified. |  |  | HPML compliant | 11/25/2025 | Borrower has stable job time - Borrower has 5.73 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 852 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | ID | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 5.73 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 852 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | ID | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 5.73 years on job. C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 889 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 3.15 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.52% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.52% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 889 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.15 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.52% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.52% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 889 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Cleared; HPML compliant | 12/07/2025 | Borrower has stable job time - Borrower has 3.15 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.52% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.52% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 848 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 848 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 848 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 833 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CT | ATR/QM Exempt | Loan Review Complete | 10/22/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 854 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | ATR/QM Exempt | Loan Review Complete | 10/23/2025 | Resolved | XXXX | Credit | Evidence of Primary Residence and Rent-Free Scenario Missing or Defective | Missing verification of primary residence | 20251030: Residency documentation | 10/30/2025 | 20251030: Residency documentation | 10/30/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 854 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | ATR/QM Exempt | Loan Review Complete | 10/23/2025 | Resolved | XXXX | Property | Appraisal Review - Missing | Missing Appraisal Review for the Subject Property:XXXX | 20251024: Field review uploaded | 10/24/2025 | 20251024: Received Field Review | 10/24/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 840 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MD | ATR/QM Exempt | Loan Review Complete | 10/27/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 830 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | OH | ATR/QM Exempt | Loan Review Complete | 10/27/2025 | Acknowledged | XXXX | Credit | Excessive LTV Ratio | 80% LTV > 75% limit for purchase transaction with $XXXX Loan Amount | 20251027: Exception waiver in file | 10/27/2025 | 20251027: Exception waiver received | 10/27/2025 | 6 months reserves greater than program requirement, DTI > 10% below the program requirement or DSCR > 1.15 B A | N/A | N/A 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 | N/A B | N/A |
| 806 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | OH | ATR/QM Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXX | Credit | Mortgage Payment History Missing or Defective | Missing updated mortgage rating through 10/2025 for primary residence: XXXX | 20251031: Payment History | 10/31/2025 | 20251031: Received payment history | 10/31/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 887 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MI | ATR/QM Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXX | Credit | Mortgage Payment History Missing or Defective | Missing VOR/VOM for subject property XXXX | 20251112: Free and clear on title | 11/12/2025 | 20251112: Received free and clear on title | 11/12/2025 | D B A | N/A | N/A 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 | N/A B | N/A |
| 887 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MI | ATR/QM Exempt | Loan Review Complete | 10/28/2025 | Acknowledged | XXXX | Credit | Excessive LTV Ratio | 70% LTV > 65% limit for cash-out refinance transaction with $XXXX Loan Amount | 20251028: Exception approval in file | 10/28/2025 | 20251028: Exception approval in file | 10/28/2025 | 3 months reserves greater that program requirement, FICO above the minimum by 20 points or higher, DSCR > 1.15 B A | N/A | N/A 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 | N/A B | N/A |
| 812 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | AR | ATR/QM Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 822 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | ATR/QM Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXX | Credit | Deed Missing or Defective | Missing Conveyance deed from XXXX and XXXX to XXXX | 20251030: Deed Uploaded | 10/30/2025 | 20251030: Received Deed | 10/30/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 850 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXX | Credit | Title Insurance Missing or Defective | Missing lender's name and insured amount. Please provide supplement or updated title policy with ISAOA/ATIMA verbiage | 20251105: Title | 11/05/2025 | 20251105: Received Title | 11/05/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 888 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXX | Credit | Deed Missing or Defective | Missing Conveyance deed from XXXX and XXXX to XXXX | 20251103: WD uploaded | 11/03/2025 | 20251103: Received Deed | 11/03/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 845 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | WI | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 832 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | OH | ATR/QM Exempt | Loan Review Complete | 10/29/2025 | Resolved | XXXX | Credit | Mortgage Payment History Missing or Defective | Missing VOM for subject property: XXXX | 20251107: Documentation uploaded | 11/07/2025 | 20251107: Received Documentation | 11/07/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 844 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CT | ATR/QM Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXXX | Credit | Mortgage Payment History Missing or Defective | VOM for Primary Residence and Subject Property | 20251114: VOM for subject | 11/14/2025 | 20251117: VOM for subject received |  | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 844 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CT | ATR/QM Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXXX | Property | Appraisal Missing or Defective | Comparable properties used for market rent on the 1007 do not have ADUs. | 20251113: LOX Uploaded | 11/13/2025 | 20251117: Received clarification |  | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 813 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MA | ATR/QM Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXXX | Credit | Asset Documentation Missing or Defective | Missing proof of ownership or 100% access to funds from XXXX account XXXX under XXXX | 20251105: access letter | 11/05/2025 | 20251105: Access letter received | 11/05/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 805 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM Exempt | Loan Review Complete | 11/04/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 816 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | SC | ATR/QM Exempt | Loan Review Complete | 11/04/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 821 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | IL | ATR/QM Exempt | Loan Review Complete | 11/06/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 817 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CT | ATR/QM Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXXX | Credit | Deed Missing or Defective | Missing Conveyance Deed from XXXX to XXXX | 20251113: Deed | 11/13/2025 | 20251113: Received Deed | 11/13/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 829 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXXX | Credit | Subject Property Lease - Missing or Defective | Missing Lease Agreement for Subject Property XXXX | 20251118: Lease | 11/18/2025 | 20251118: Received Lease | 11/18/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 811 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 11/13/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 846 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXXX | Credit | Deed Missing or Defective | Missing Conveyance Deed from XXXX to XXXX and XXXX | 20251121: Deed | 11/21/2025 | 20251121: Received Deed | 11/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 810 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MA | ATR/QM Exempt | Loan Review Complete | 11/19/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 884 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CT | ATR/QM Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 804 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | WA | ATR/QM Exempt | Loan Review Complete | 11/24/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 827 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | RI | ATR/QM Exempt | Loan Review Complete | 11/24/2025 | Resolved | XXXX | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance Policy number for property located at: XXXX | 20251209: NQM Overlay | 12/09/2025 | 20251210: Received overlay | 12/10/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 841 | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MI | ATR/QM Exempt | Loan Review Complete | 12/01/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 836 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 8.15 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 8.15 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 836 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 8.15 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 838 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 34.68% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 5.47 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 838 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 34.68% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 5.47 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 838 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 34.68% is less than Guideline DTI of 55%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Borrower has stable job time - Borrower has 5.47 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 839 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 839 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 839 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 835 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 4.72 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 698 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 8.43% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 835 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 4.72 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 698 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 8.43% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 835 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 4.72 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 698 is greater than Guideline minimum FICO of 680<br>Qualifying DTI below max allowed. - Calculated DTI of 8.43% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 8.03 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 8.03 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 834 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 8.03 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 831 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 40.87 | 40.87 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 809 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 85.00 | 85.00 | XXXX | XXXX | -.0205 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0205 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 820 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 62.96 | 62.96 | XXXX | XXXX | -.0790 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0790 | 96.00 | 0.04 | XXXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 842 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 54.12 | 54.12 |  |  |  |  |  |  |  |  | XXXX | XXXX | .0233 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 886 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 | XXXX | XXXX | -.0209 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0209 | 97.00 | 0.03 | XXXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 819 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 | XXXX | XXXX | -.1107 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1107 | 94.00 | 0.06 | XXXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 808 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 | XXXX | XXXX | -.0262 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0262 | 84.00 | 0.16 | XXXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 803 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 849 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 |  |  |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 847 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 885 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 818 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 75.00 | 75.00 |  |  |  |  | XXXX | XXXX | -.0230 | AVM |  |  |  |  |  | XXXX | XXXX | -.0230 | 97.00 | 0.03 | XXXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 814 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 75.00 | 75.00 | XXXX | XXXX | .0101 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0101 | 90.00 | 0.1 | XXXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 858 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 90.00 | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 856 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 824 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 45.22 | 45.22 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0511 | 87.00 | 0.13 | XXXX | i-Val | XX/XX/XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 815 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 853 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 883 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 70.00 | 70.00 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0090 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 825 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 73.17 | 73.17 |  |  |  |  |  |  |  |  | XXXX | XXXX | .1319 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 851 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 843 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 55.85 | 55.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 823 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 807 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 25.57 | 25.57 | XXXX | XXXX | -.0554 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0554 | 89.00 | 0.11 | XXXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 855 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 50.76 | 50.76 |  |  |  |  |  |  |  |  | XXXX | XXXX | .0009 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 857 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 828 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 70.00 | 70.00 | XXXX | XXXX | -.3325 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.3325 | 1.00 | 0.09 | XXXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 826 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 45.64 | 45.64 | XXXX | XXXX | -.3499 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.3499 | 81.00 | 0.19 | XXXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 852 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 90.00 | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 889 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 68.52 | 68.52 | XXXX | XXXX | -.0032 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0032 | 86.00 | 0.14 | XXXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 848 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | 57.38 | 57.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 833 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 | XXXX | 75.00 | 75.00 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 854 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 80.00 | 80.00 | XXXX | XXXX | .0000 | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 840 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 887 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 70.00 | 70.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 830 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 80.00 | 80.00 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 806 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 | XXXX | 65.00 | 65.00 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 812 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 | XXXX | 50.25 | 50.25 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 822 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 80.00 | 80.00 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 850 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 69.25 | 69.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1.2 |  |
| 888 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 75.00 | 75.00 | XXXX | XXXX | -.0192 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0192 | 97.00 | 0.03 | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 845 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 | XXXX | 80.00 | 80.00 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 832 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 | XXXX | 75.00 | 75.00 | XXXX | XXXX | -.0118 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0118 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 844 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 70.00 | 70.00 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 813 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 | XXXX | 70.00 | 70.00 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 805 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 77.93 | 77.93 | XXXX | XXXX | .0751 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0751 | 97.00 | 0.03 | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| 816 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 75.00 | 75.00 | XXXX | XXXX | .0618 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0618 | 92.00 | 0.08 | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 821 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 70.00 | 70.00 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 817 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 | XXXX | 80.00 | 80.00 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 829 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 | XXXX | 34.29 | 34.29 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 811 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 846 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 | XXXX | 75.00 | 75.00 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 810 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1 |  |
| 884 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 | XXXX | 60.00 | 60.00 | XXXX | XXXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 804 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 827 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 841 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 | XXXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 836 | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XX/XX/XXXX | 0 | .0000 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 838 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 839 | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 835 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 834 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 77.27 | 77.27 | XXXX | XXXX | .0000 | Enhanced Desk Review |  |  |  |  | XXXX | XXXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Adequate | XX/XX/XXXX | 0 | .0000 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 837 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 831 | XXXX |  | Verified Doc Type | Asset Utilization (No DTI) | Other | the program the borrower qualified for was asset utilization |
| 831 | XXXX |  | Qualifying FICO | 806 | 800 | auditor checked the credit report and the middle score is 806 |
| 831 | XXXX |  | Qualifying All Borrower Residual Income | -11305.82 | -11294.32 | Per the guidelines reserves are not required. |
| 809 | XXXX |  | Property Value | XXXX | XXXX | Verified with the appraisal, Lower Purchase price used to qualify. |
| 809 | XXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the Data Entry Proof sheet the application date is XX/XX/XXXXm compliance needs to correct |
| 809 | XXXX |  | Qualifying All Borrower Residual Income | 10935.51 | 15634.61 | Verified with the income and liabilities |
| 820 | XXXX |  | Qualifying Total Reserves Number of Months | 263.23 | 269.15 | Per asset documentation verifying assets stated on the Final 1003 |
| 820 | XXXX |  | Qualifying All Borrower Residual Income | 23910.43 | 26174.43 | Per monthly verified income minus total verified monthly debt |
| 842 | XXXX |  | Property Value | XXXX | XXXX | Using Purchase price as property value since it is lower than the appraised value |
| 842 | XXXX |  | MIN No | XXXX | XXXX | Per Note |
| 842 | XXXX |  | Verified Doc Type | Asset Utilization (No DTI) | Other | Per Lock |
| 842 | XXXX |  | Qualifying All Borrower Residual Income | -20415.09 | -16129.78 | Per guidelines not required |
| 886 | XXXX |  | Property Value | XXXX | XXXX | Per appraisal |
| 886 | XXXX |  | ULI | XXXX | XXXX | Per Final 1003 |
| 886 | XXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial loan application LO signature date |
| 886 | XXXX |  | Qualifying Total Reserves Number of Months | 48.26 | 5.33 | Per asset documentation verifying assets stated on the Final 1003. |
| 886 | XXXX |  | Qualifying All Borrower Residual Income | 20985.45 | 25830.45 | Per monthly verified income minus total verified monthly debt |
| 819 | XXXX |  | Property Value | XXXX | XXXX | Verified with the appraisal, the lower purchase price used to qualify. |
| 819 | XXXX |  | Qualifying Total Reserves Number of Months | 28.29 | 29.88 | Verified with the most recent asset statements |
| 819 | XXXX |  | Qualifying All Borrower Residual Income | 64345.74 | 67373.73 | Verified with the income and liabilities |
| 808 | XXXX |  | Qualifying Total Reserves Number of Months | 12.11 | 11.96 | Verified with the most recent asset statements and cash out. |
| 808 | XXXX |  | Qualifying All Borrower Residual Income | 4851.51 | 6598.22 | Verified with income and liabilities |
| 803 | XXXX |  | Property Value | XXXX | XXXX | Verified to appraised value vs purchase price |
| 803 | XXXX |  | Qualifying Total Reserves Number of Months | 18.72 | 78.74 | Verified to assets |
| 803 | XXXX |  | Qualifying All Borrower Residual Income | 8931.12 | 12895.73 | Based on verified income and total debts |
| 849 | XXXX |  | MIN No | XXXX | XXXX | Verified with the Security Instrument |
| 849 | XXXX |  | Verified Doc Type | Asset Depletion – Debt Ratio Calculation | Asset Depletion | Verified with the Income docs, approval and lock. |
| 849 | XXXX |  | Qualifying All Borrower Residual Income | 13796.05 | 14523.84 | Verified with the income and liabilities |
| 847 | XXXX |  | Property Value | XXXX | XXXX | Using Purchase price as property value since it is lower than the appraised value |
| 847 | XXXX |  | MIN No | XXXX | XXXX | Per Note |
| 847 | XXXX |  | Verified Doc Type | Asset Utilization (No DTI) | Other | Per Lock |
| 847 | XXXX |  | Qualifying All Borrower Residual Income | -9076.21 | -6650.92 | Per guidelines not required |
| 885 | XXXX |  | Property County | XXXX | XXXX | Verified with the Security Instrument |
| 885 | XXXX |  | Property Value | XXXX | XXXX | Verified with the appraisal, The lower Purchase price used to qualify. |
| 885 | XXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the initial 1003 |
| 885 | XXXX |  | ULI | XXXX | XXXX | Verified with the final 1003 |
| 885 | XXXX |  | Qualifying Total Reserves Number of Months | 13.92 | 68.38 | Verified with the most recent asset statements |
| 885 | XXXX |  | Qualifying All Borrower Residual Income | 4696.47 | 4731.46 | Verified with the income and liabilities |
| 818 | XXXX |  | Property Value | XXXX | XXXX | Verified to appraised value vs purchase price |
| 818 | XXXX |  | Qualifying Total Reserves Number of Months | 65.94 | 78.25 | Verified to assets |
| 818 | XXXX |  | Qualifying All Borrower Residual Income | 34827.98 | 26079.33 | Based on verified income and total debts |
| 814 | XXXX |  | Qualifying Total Reserves Number of Months | 4.41 | 4.42 | Verified with the most recent asset statements. |
| 814 | XXXX |  | Qualifying All Borrower Residual Income | 16604.71 | 17228.90 | Verified with income and liabilities |
| 858 | XXXX |  | Property Value | XXXX | XXXX | Audit value is the appraisal value and the tape value is the sales price. |
| 858 | XXXX |  | Qualifying All Borrower Residual Income | 3627.87 | 4147.78 | Audit value confirmed from the total income minus total liabilities. |
| 856 | XXXX |  | MIN No | XXXX | XXXX | Per Note |
| 856 | XXXX |  | Property Value | XXXX | XXXX | Using Purchase price as property value since it is lower than the appraised value |
| 856 | XXXX |  | Qualifying All Borrower Residual Income | 7601.21 | 9057.48 | Per monthly income less all debts |
| 824 | XXXX |  | Qualifying Total Reserves Number of Months | 89.91 | 89.79 | Per Final CD cash out, used for reserves |
| 824 | XXXX |  | Qualifying All Borrower Residual Income | 19768.53 | 25149.48 | Per monthly verified income minus total verified monthly debt |
| 815 | XXXX |  | Property Value | XXXX | XXXX | Using Purchase price as property value since it is lower than the appraised value |
| 815 | XXXX |  | Qualifying Total Reserves Number of Months | 9.03 | 9.01 | Per assets |
| 815 | XXXX |  | Qualifying All Borrower Residual Income | 4925.09 | 6942.93 | Per monthly income less all debts |
| 853 | XXXX |  | MIN No | XXXX | XXXX | per Mortgage |
| 853 | XXXX |  | Property Value | XXXX | XXXX | per appraisal |
| 853 | XXXX |  | Qualifying All Borrower Residual Income | 6023.92 | 7897.91 | mapping issue |
| 883 | XXXX |  | MIN No | XXXX | XXXX | Verified with the Security Instrument |
| 883 | XXXX |  | Prepayment Penalty | Yes | No | Verified with the notes Prepayment addendum |
| 883 | XXXX |  | Qualifying All Borrower Residual Income | 696124.89 | 798831.67 | Verified with the income and liabilities |
| 825 | XXXX |  | Property Value | XXXX | XXXX | Using Purchase price as property value since it is lower than the appraised value |
| 825 | XXXX |  | Qualifying Total Reserves Number of Months | 22.22 | 21.31 | Per assets |
| 825 | XXXX |  | Qualifying All Borrower Residual Income | 197743.97 | 198607.72 | Per monthly income less all debts |
| 851 | XXXX |  | MIN No | XXXX | XXXX | The audit MIN is confirmed from the Deed of Trust in file. |
| 851 | XXXX |  | Verified Doc Type | Asset Depletion – Total Asset Calculation | Other | Loan was approved under the Debt to Asset Qualification program. |
| 851 | XXXX |  | Property Type | Condominium | Other | The appraisal confirms the property is a Condominium. |
| 851 | XXXX |  | Qualifying All Borrower Residual Income | -4325.89 | -3270.08 | Audit figure is confirmed from the total of the liabilities in file. |
| 843 | XXXX |  | Property Value | XXXX | XXXX | Verified with the appraisal |
| 843 | XXXX |  | Verified Doc Type | Asset Depletion – Debt Ratio Calculation | 2YR Full Doc | Verified with the approval and lock |
| 843 | XXXX |  | Qualifying LTV | 55.85 | 50.89 | Verified with the appraisal and approval |
| 843 | XXXX |  | Qualifying CLTV | 55.85 | 50.89 | Verified with the appraisal and approval |
| 843 | XXXX |  | Qualifying All Borrower Residual Income | 10002.03 | 8770.53 | Verified with the income and liabilities |
| 823 | XXXX |  | Property Value | XXXX | XXXX | Verified Property Value $XXXX |
| 823 | XXXX |  | Qualifying Total Reserves Number of Months | 39.98 | 71.25 | Verified Number of Qualifying Total Reserves Number of Months 39.98 |
| 823 | XXXX |  | Qualifying All Borrower Residual Income | 7690.85 | 10721.85 | Qualifying All Borrower Residual Income $7690.85 |
| 807 | XXXX |  | Property Type | PUD | Single Family Detached | Confirmed with Appraisal Report. |
| 807 | XXXX |  | Qualifying Total Reserves Number of Months | 64.02 | 169.81 | Confirmed with bank statements provided. |
| 807 | XXXX |  | Qualifying All Borrower Residual Income | 20905.53 | -1314.40 | Confirmed with bank statements provided for income verification, SS Check and Credit Report. Lender included an additional $1,218.32 to consumer monthly debts. Audit figures match final Credit Report and Final 1003. |
| 855 | XXXX |  | MIN No | XXXX | XXXX | Verified to Deed |
| 855 | XXXX |  | Margin | 4.5 | -1.750 | Verified to Note |
| 855 | XXXX |  | Index | 4.191 | SOFR_30DayAvg | Verified to Note |
| 855 | XXXX |  | Property Value | XXXX | XXXX | Verified to lowest appraised value |
| 855 | XXXX |  | Qualifying CLTV | 50.76 | 54.30 | Verified to lowest appraised value and loan amount |
| 855 | XXXX |  | Qualifying LTV | 50.76 | 54.30 | Verified to lowest appraised value and loan amount |
| 855 | XXXX |  | Property Type | PUD | Single Family Detached | Verified to appraisal |
| 855 | XXXX |  | Qualifying All Borrower Residual Income | 41606.87 | 60745.56 | Based on verified income and total debts |
| 857 | XXXX |  | Property County | XXXX | XXXX | Confirmed with Deed of Trust. |
| 857 | XXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 857 | XXXX |  | Property Value | XXXX | XXXX | Confirmed with Appraisal Report. |
| 857 | XXXX |  | Qualifying All Borrower Residual Income | 15021.95 | 15263.20 | Confirmed with bank statements provided for income verification and Credit Report. |
| 828 | XXXX |  | Qualifying All Borrower Residual Income | 22437.75 | 27630.19 | Based on verified income and total debts |
| 826 | XXXX |  | Qualifying Total Reserves Number of Months | 34.33 | 34.37 | Per asset documentation verifying assets stated on the Final 1003. |
| 826 | XXXX |  | Qualifying All Borrower Residual Income | 14126.08 | 14845.39 | Per verified income of $26799/mo. minus total verified debt of $12672.92/mo. totals $14,126.08. |
| 852 | XXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 852 | XXXX |  | Property Type | PUD | Single Family Detached | Per Mortgage and Appraisal |
| 852 | XXXX |  | Qualifying All Borrower Residual Income | 6215.76 | 7970.47 | Per monthly verified income minus total verified monthly debt. |
| 889 | XXXX |  | ULI | XXXX | XXXX | Confirmed with Final 1003. |
| 889 | XXXX |  | Qualifying Total Reserves Number of Months | 19.21 | 18.31 | Confirmed with bank statements provided. |
| 889 | XXXX |  | Qualifying All Borrower Residual Income | 4398.2 | 4435.62 | Confirmed with Income documents, bank statements provided for income verification and Credit Report. Audited income for B1 is lower than Lender's calculation due to Lender included deposits for the month of 09/2025 that should not have been included as income. Qualified with 55% DTI max. |
| 848 | XXXX |  | MIN No | XXXX | XXXX | Min No confirmed using Recorded Mortgage. |
| 848 | XXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Application date XX/XX/XXXX confirmed using initial 1003. |
| 848 | XXXX |  | Verified Doc Type | Asset Utilization (No DTI) | Other | Verified Doc Type Asset Utilization (No DTI) confirmed using Lock Confirmation and Loan Details. |
| 848 | XXXX |  | Property Type | Condominium | Other | Property Type condominium confirmed using appraisal report. |
| 848 | XXXX |  | Qualifying All Borrower Residual Income | -4710.89 | -2899.32 | Verified to FDAQ program, not required. |
| 833 | XXXX |  | Mo Pymt (P&I) | 5899.20 | 6630.48 | Note reflects $5,899.20 P&I |
| 833 | XXXX |  | T & I Payment | 1379.86 | 1295.00 | $362.50 Insurance + $1017.50 Tax = $1,379.86 T&I |
| 840 | XXXX |  | DSCR | 1.12 | 1.00 | T&I disrepency |
| 840 | XXXX |  | T & I Payment | 411.75 | 580.00 | $67.75 Insurance + $344 Tax = $411.75 T&I |
| 845 | XXXX |  | DSCR | 1.30 | 1.10 | $2300Rents / $1769.84 PITIA = 1.30 DSCR |
| 845 | XXXX |  | T & I Payment | 387.64 | 551.00 | $141.93 insurance + $245.71 Tax = $387.64 |
| 832 | XXXX |  | Property Type | 2-4 Unit | SFR | Property has two units |
| 832 | XXXX |  | DSCR | 1.60 | 1.58 | $3450 Rent / $1653.76 PITIA = 1.60 DSCR |
| 844 | XXXX |  | Property No Units | 1.00 | 3.00 | Appraisal reflects 1 unit with an ADU |
| 844 | XXXX |  | DSCR | 1.22 | 2.06 | $4500 Rent / $3697.21 PITIA = 1.22 DSCR |
| 844 | XXXX |  | T & I Payment | 760.44 | 542.00 | $234.25 Insurance + $526.19 Tax = $760.44 T&I |
| 829 | XXXX |  | Qualifying FICO | 699.00 | 688.00 | FICO 699 per credit score dated 10/28/2025 |
| 829 | XXXX |  | DSCR | 1.00 | 0.90 | Missing Lease Agreement |
| 829 | XXXX |  | Mo Pymt (P&I) | 2071.82 | 2046.33 | Note reflects $2071.82 P&I |
| 829 | XXXX |  | T & I Payment | 1140.02 | 1168.00 | $113 Insurance + $452.02 Tax + $575 HOA = $1140.02 T&I + HOA |
| 846 | XXXX |  | DSCR | 1.04 | 1.00 | $6,700 Lease Rent / $6,461.07 PITIA = 1.04 DSCR |
| 841 | XXXX |  | DSCR | 1.06 | 1.28 | $2200.00 Rent / $2071.14 PITIA = 1.06 DSCR |
| 841 | XXXX |  | T & I Payment | 519.30 | 536.00 | $136.25 Ins + $383.05 taxes = $519.30 T&I |
| 841 | XXXX |  | Prepayment Penalty | 12.00 | 24.00 | PPP reflects 12 months |
| 836 | XXXX | XXXX | Borrower 1 Qualifying Income | 32410 | 34052.00 | Per income docs |
| 836 | XXXX | XXXX | Originator Doc Type | 1YR Business P&L | Business P&L | Per approval |
| 836 | XXXX | XXXX | Total Qualified Assets Available | 16338.64 | 2673338.64 | Per asset docs |
| 836 | XXXX | XXXX | Total Liquid Assets Available For Close | 16338.64 | 80409.49 | Per asset docs |
| 836 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 8.72 | 6.00 | Per asset docs |
| 836 | XXXX | XXXX | Qualifying Total Monthly Liabilities | 16428.75 | 16428.11 | Per credit docs |
| 836 | XXXX | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 838 | XXXX | XXXX | Borrower 1 Citizen | Permanent Resident Alien | US Citizen | Per Permanent Resident card |
| 838 | XXXX | XXXX | Originator Doc Type | 1YR Business P&L | Business P&L | Per Loan Approval |
| 838 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 6.18 | 13.00 | Per asset documentation, less wired additional deposit, and, housing expense |
| 838 | XXXX | XXXX | Total Qualified Assets Available | 62891.4 | 665558.93 | Per asset documentation, less wired additional deposit |
| 838 | XXXX | XXXX | Total Liquid Assets Available For Close | 62891.4 | 322058.93 | Per asset documentation, less wired additional deposit |
| 838 | XXXX | XXXX | Qualifying Total Monthly Liabilities | 17336.98 | 17336.21 | Per liability documentation |
| 838 | XXXX | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 839 | XXXX | XXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 839 | XXXX | XXXX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per loan approval |
| 839 | XXXX | XXXX | Cash out Include Debt Paid at Close | XXXX | XXXX | Per final CD |
| 839 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 25.98 | 7.00 | Per final CD cash out used for reserves |
| 839 | XXXX | XXXX | Qualifying Total Monthly Liabilities | 14022.42 | 14704.61 | Per liabilities from credit report, liabilities not considered in DSCR |
| 839 | XXXX | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk appraisal |
| 835 | XXXX | XXXX | Originator Doc Type | 1YR Business P&L | Business P&L | 1 Yr P&L loan, drop down box updated |
| 835 | XXXX | XXXX | Total Qualified Assets Available | 165371.6 | 185371.60 | Updated assets, excluding earnest deposit |
| 835 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 25.45 | 25.00 | Updated assets, 9/11/25 |
| 835 | XXXX | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 834 | XXXX | XXXX | Borrower 1 Citizen | Permanent Resident Alien | US Citizen | Borrower is a permanent resident alien. |
| 834 | XXXX | XXXX | Originator Doc Type | 1YR Business P&L | Business P&L | Coding. |
| 834 | XXXX | XXXX | Total Liquid Assets Available For Close | 425009.24 | 1285009.24 | Removed the additional deposit $860000 as indicated on the final CD. |
| 834 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 14.12 | 43.00 | Assets as documented in the loan file. |
| 834 | XXXX | XXXX | Total Qualified Assets Available | 425009.24 | 2989562.24 | Does not include equity. |
| 834 | XXXX | XXXX | Qualifying Total Monthly Liabilities | 34884.95 | 34850.33 | Added lease payment for solar. |
| 834 | XXXX | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 837 | XXXX | XXXX | Originator Doc Type | 1YR Business P&L | Business P&L | 1 year P&L |
| 837 | XXXX | XXXX | Total Liquid Assets Available For Close | 31183.27 | 272916.13 | Taken from assets |
| 837 | XXXX | XXXX | Total Qualified Assets Available | 31183.27 | 597916.13 | Taken from assets |
| 837 | XXXX | XXXX | Qualifying Total Reserves Number of Months | 6.08 | 15.00 | Taken from assets |
| 837 | XXXX | XXXX | Qualifying Total Monthly Liabilities | 11702.13 | 11691.60 | Calculated based on documents provided |
| 837 | XXXX | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt |

---

## Exhibit 99.4

**Exhibit 99.4**

![A picture containing text, clipart Description automatically generated](ex99-4_001.jpg)

NRMLT 2026-NQM3<br>Rithm Capital Corp.<br>

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**February 3, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Rithm Capital Corp.**

The report summarizes the results of a due diligence review performed on a pool of 417 loans provided by Rithm Capital Corp. ("Customer") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains two hundred seven (207) Non-QM loans and two hundred ten (210) ATR/QM Exempt loans, of which one hundred sixty-four (164) are DSCR loans and forty-six (46) are Business Purpose loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In
lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements
of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant
to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter
at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements
for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination
to determine compliance with Client provided underwriting guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable
sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the
appraisal(s) meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination
and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the
Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy: Verify the presence of the title commitment or
final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify the presence of the mortgage
note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement
are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed
of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present
and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title
company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review
and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent
document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document
was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance Deed: Verify as applicable that a proper conveyance deed is present
in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement: If required, verify the presence of a
final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

&nbsp;&nbsp;&nbsp;&nbsp;· Final Truth-in-Lending Disclosure: If required, verify the presence of a
final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based on the specifics of the loan
transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate: If required verify the presence of the current Loan Estimate
(LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;· Closing Disclosure: If required verify the presence of the current Closing
Disclosure (CD) at the time of origination.

**c) Credit Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence of the relative underwriting
worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower.
Confirm that the credit report was pulled within the timing requirements allowable
per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on
the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation are required by the
Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required by the Client provided underwriting
guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of income and employment related
documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio
calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required
by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal
and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance certificates for mortgage,
hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to
meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material"<sup>1</sup> disclosure requirements of the federal Truth-in-Lending
 Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA")
 and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12
 C.F.R. Part 1026, including the material provisions relating to Higher-Priced Mortgage Loans
 in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions
 of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation
 Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure
 ("TRID") Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0,
 as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the
transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the
disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from
the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original
creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance
that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s),
with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties,
principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a
review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business
days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 the required sections of each LE to ensure they were populated in accordance with the
 TRID Rules. (If the file reflects more than one LE was provided, each revised LE must
 have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance
 evaluations will be based on the fee amounts disclosed on the initial LE and any valid
 changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the Closing Disclosure (CD) confirm the borrower received the initial CD at least three
 (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated
 in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

2. Section 4 of the Real Estate Settlement Procedures Act
("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID
Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

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

4. Confirmation that one of the following are in the loan
file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice
to Home Loan Applicant;

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform
and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability
to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages
(12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and
203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain
creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering
provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented
by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the
Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by
Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented
by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable
state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located
in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special
flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant
shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not
limited to a business purpose certification.

14. Documentation. Review of the following documents for regulatory
compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"),
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered
final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified
by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is
estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent)
or stamped certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed
or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"),
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based
on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan
file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial
Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be
 considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation
 indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the
 consummation date being considered the Final with any delivered post consummation
considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if
applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party
fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating
that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the
document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable
limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied
by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant
reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43
et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's
status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due
diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant
will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under §
1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for
lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies
and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the
requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to
July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency
as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file
the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the
file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but
not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan
to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest
only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment
was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether
the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan
is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable
average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective
March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans
only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review
the loan file to determine if the creditor verified and considered
each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the
consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory
or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the
subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance
and certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General
Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment
or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and
only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's
conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s)
within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to 10/03/2015)/ Home
Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business
days of application

&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the
event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure provided within three general
business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days,
as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third-party
services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing
or within 45 days after settlement

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

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided the borrower a disclosure of the right to
receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the
Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided (delivered) copies of appraisals and
all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at
least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least
6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived the 3-business day disclosure requirement,
confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an
acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender
has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided the borrower the risk-based pricing
notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a)
If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than
the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure
was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided a copy of the disclosure of credit
score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

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

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995
et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-
746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760
et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official Code §
26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans
closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· 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).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at
815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code
of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House
Bill 4050 (2005).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kansas Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages
(for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative
Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after
September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1;
12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as
amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§
1 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800
(15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§
32.00 et.seq., as amended from time to time.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et
seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended
by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22
 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003),
codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank.
L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185
(2006), and as codified in various sections of the Ohio Code.

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

&nbsp;&nbsp;&nbsp;&nbsp;· City
of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified
in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I. Gen. L.
 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by
 Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter
2006-33, Ordinance No. 245.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified
at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas
 High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

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

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. §
428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural
purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured by the same residential
improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by
a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature consistency across documents. To the extent
imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To
the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency
of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third party fraud tool is contained
in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of
all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued
with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made
or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures are not person providing
valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as
appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or
Federal or State law.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore
does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not a creditor within the meaning of the Equal Credit Opportunity
Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility
to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with
the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance
with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial
compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing
material documentation.

**Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10%
of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10%
of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall
within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing
material documentation.

**Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws
and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal
and/or regulatory compliance but such issues do not represent risks to the enforceability
of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws
and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA
and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property
(e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting
 Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity
 requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm management experience meets
 Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents
 are in the file). Verify the individual signing on behalf of the organization has the authority
 to bind the entity (if applicable documents are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per
 Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements
 are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of
 DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage
 amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies,
 delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
 Application: Verify the presence and completeness of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit
 Report: Verify the presence of a credit report for each borrower. Confirm that the credit
 report was pulled within the timing requirements allowable per the Client provided underwriting
 guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Housing
 Payment History: In the absence of housing payment histories on the borrower(s) credit report(s),
 verify that that the file contains a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Letters
 of Explanation: When Letters of Explanation are required by the Client provided underwriting
 guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Gift
 Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify
 the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset
 Documentation: Verify the presence of asset documentation required by the Client provided
 underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property
 Valuation Tools: Verify that each loan file contains adequate appraisal and other third party
 valuation tools to satisfy the minimum required documentation under the relative Client provided
 underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Proof
 of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood
 insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate
 coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No
 compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex99-4_002.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.76% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;50 | &nbsp;&nbsp;88.01% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.76% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**417** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were twelve (12) obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated February 3, 2026.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**Fitch and Kroll NRSRO Grade** | <br>&nbsp;&nbsp;**# of<br> Loans** | <br>&nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;395 | &nbsp;&nbsp;94.72% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;5.28% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**Fitch and Kroll NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;410 | &nbsp;&nbsp;98.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**Fitch and Kroll NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;402 | &nbsp;&nbsp;96.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;3.60% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**Fitch and Kroll NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;415 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (417)</u>**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;215223025 | &nbsp;&nbsp;216081513 | &nbsp;&nbsp;9708275103 | &nbsp;&nbsp;9719883119 | &nbsp;&nbsp;9734006514 | &nbsp;&nbsp;9749337128 | &nbsp;&nbsp;9771049658 | &nbsp;&nbsp;9786249087 |
| &nbsp;&nbsp;215486556 | &nbsp;&nbsp;216083006 | &nbsp;&nbsp;9708800371 | &nbsp;&nbsp;9719890759 | &nbsp;&nbsp;9734292817 | &nbsp;&nbsp;9749817582 | &nbsp;&nbsp;9771557296 | &nbsp;&nbsp;9786298605 |
| &nbsp;&nbsp;215495987 | &nbsp;&nbsp;216084939 | &nbsp;&nbsp;9708893822 | &nbsp;&nbsp;9720057588 | &nbsp;&nbsp;9734621544 | &nbsp;&nbsp;9749984861 | &nbsp;&nbsp;9771618973 | &nbsp;&nbsp;9786777285 |
| &nbsp;&nbsp;215527870 | &nbsp;&nbsp;216089581 | &nbsp;&nbsp;9708945465 | &nbsp;&nbsp;9720197434 | &nbsp;&nbsp;9734894778 | &nbsp;&nbsp;9750244403 | &nbsp;&nbsp;9772098472 | &nbsp;&nbsp;9786902602 |
| &nbsp;&nbsp;215565029 | &nbsp;&nbsp;216092874 | &nbsp;&nbsp;9709253984 | &nbsp;&nbsp;9720969006 | &nbsp;&nbsp;9735911639 | &nbsp;&nbsp;9750295934 | &nbsp;&nbsp;9772350477 | &nbsp;&nbsp;9787193359 |
| &nbsp;&nbsp;215595851 | &nbsp;&nbsp;216096867 | &nbsp;&nbsp;9709366109 | &nbsp;&nbsp;9721084227 | &nbsp;&nbsp;9735996150 | &nbsp;&nbsp;9751109936 | &nbsp;&nbsp;9772686870 | &nbsp;&nbsp;9787758292 |
| &nbsp;&nbsp;215606179 | &nbsp;&nbsp;216103820 | &nbsp;&nbsp;9709790878 | &nbsp;&nbsp;9722261527 | &nbsp;&nbsp;9736413528 | &nbsp;&nbsp;9751448326 | &nbsp;&nbsp;9772693249 | &nbsp;&nbsp;9787858035 |
| &nbsp;&nbsp;215622465 | &nbsp;&nbsp;216106682 | &nbsp;&nbsp;9709871389 | &nbsp;&nbsp;9722910636 | &nbsp;&nbsp;9736583643 | &nbsp;&nbsp;9751573016 | &nbsp;&nbsp;9772734910 | &nbsp;&nbsp;9788238336 |
| &nbsp;&nbsp;215622622 | &nbsp;&nbsp;216107383 | &nbsp;&nbsp;9709924089 | &nbsp;&nbsp;9723383031 | &nbsp;&nbsp;9737140575 | &nbsp;&nbsp;9751888315 | &nbsp;&nbsp;9772897014 | &nbsp;&nbsp;9788434158 |
| &nbsp;&nbsp;215643081 | &nbsp;&nbsp;216107482 | &nbsp;&nbsp;9709957063 | &nbsp;&nbsp;9723615358 | &nbsp;&nbsp;9737740473 | &nbsp;&nbsp;9752289638 | &nbsp;&nbsp;9773258778 | &nbsp;&nbsp;9788502590 |
| &nbsp;&nbsp;215673237 | &nbsp;&nbsp;216107656 | &nbsp;&nbsp;9710069544 | &nbsp;&nbsp;9723634516 | &nbsp;&nbsp;9737923202 | &nbsp;&nbsp;9753195917 | &nbsp;&nbsp;9773608329 | &nbsp;&nbsp;9788703396 |
| &nbsp;&nbsp;215683012 | &nbsp;&nbsp;216107664 | &nbsp;&nbsp;9710560377 | &nbsp;&nbsp;9723686516 | &nbsp;&nbsp;9738372151 | &nbsp;&nbsp;9753205971 | &nbsp;&nbsp;9774251038 | &nbsp;&nbsp;9789899003 |
| &nbsp;&nbsp;215698127 | &nbsp;&nbsp;216109298 | &nbsp;&nbsp;9710794802 | &nbsp;&nbsp;9723774858 | &nbsp;&nbsp;9738403113 | &nbsp;&nbsp;9753275198 | &nbsp;&nbsp;9774338926 | &nbsp;&nbsp;9790186986 |
| &nbsp;&nbsp;215700352 | &nbsp;&nbsp;216113027 | &nbsp;&nbsp;9711081217 | &nbsp;&nbsp;9723900339 | &nbsp;&nbsp;9738596049 | &nbsp;&nbsp;9753762484 | &nbsp;&nbsp;9774894605 | &nbsp;&nbsp;9790239512 |
| &nbsp;&nbsp;215706946 | &nbsp;&nbsp;216113910 | &nbsp;&nbsp;9711315839 | &nbsp;&nbsp;9724226015 | &nbsp;&nbsp;9738751743 | &nbsp;&nbsp;9755073187 | &nbsp;&nbsp;9775200349 | &nbsp;&nbsp;9790551577 |
| &nbsp;&nbsp;215874645 | &nbsp;&nbsp;216123018 | &nbsp;&nbsp;9711583568 | &nbsp;&nbsp;9724563862 | &nbsp;&nbsp;9738953794 | &nbsp;&nbsp;9755358141 | &nbsp;&nbsp;9775378210 | &nbsp;&nbsp;9791301725 |
| &nbsp;&nbsp;215875782 | &nbsp;&nbsp;216133777 | &nbsp;&nbsp;9712169532 | &nbsp;&nbsp;9724570354 | &nbsp;&nbsp;9739936483 | &nbsp;&nbsp;9755426815 | &nbsp;&nbsp;9775441877 | &nbsp;&nbsp;9791913511 |
| &nbsp;&nbsp;215879883 | &nbsp;&nbsp;216140012 | &nbsp;&nbsp;9712406876 | &nbsp;&nbsp;9724629408 | &nbsp;&nbsp;9740190716 | &nbsp;&nbsp;9755567667 | &nbsp;&nbsp;9775746317 | &nbsp;&nbsp;9792536568 |
| &nbsp;&nbsp;215890435 | &nbsp;&nbsp;216148940 | &nbsp;&nbsp;9712706671 | &nbsp;&nbsp;9725173836 | &nbsp;&nbsp;9740384541 | &nbsp;&nbsp;9755762250 | &nbsp;&nbsp;9775775571 | &nbsp;&nbsp;9792622863 |
| &nbsp;&nbsp;215896945 | &nbsp;&nbsp;216149021 | &nbsp;&nbsp;9712767509 | &nbsp;&nbsp;9725313143 | &nbsp;&nbsp;9740444311 | &nbsp;&nbsp;9756161999 | &nbsp;&nbsp;9776087711 | &nbsp;&nbsp;9792675754 |
| &nbsp;&nbsp;215906447 | &nbsp;&nbsp;216149575 | &nbsp;&nbsp;9712780866 | &nbsp;&nbsp;9725501341 | &nbsp;&nbsp;9740462149 | &nbsp;&nbsp;9756419033 | &nbsp;&nbsp;9776102460 | &nbsp;&nbsp;9793698714 |
| &nbsp;&nbsp;215914136 | &nbsp;&nbsp;216150334 | &nbsp;&nbsp;9713192673 | &nbsp;&nbsp;9725572979 | &nbsp;&nbsp;9741011721 | &nbsp;&nbsp;9756751716 | &nbsp;&nbsp;9776235997 | &nbsp;&nbsp;9793762668 |
| &nbsp;&nbsp;215914144 | &nbsp;&nbsp;216152835 | &nbsp;&nbsp;9713432590 | &nbsp;&nbsp;9725585351 | &nbsp;&nbsp;9741195490 | &nbsp;&nbsp;9756949302 | &nbsp;&nbsp;9776240484 | &nbsp;&nbsp;9793866824 |
| &nbsp;&nbsp;215926676 | &nbsp;&nbsp;216163964 | &nbsp;&nbsp;9713628866 | &nbsp;&nbsp;9725851639 | &nbsp;&nbsp;9741780754 | &nbsp;&nbsp;9757058053 | &nbsp;&nbsp;9776382336 | &nbsp;&nbsp;9794042003 |
| &nbsp;&nbsp;215935503 | &nbsp;&nbsp;216174417 | &nbsp;&nbsp;9713884204 | &nbsp;&nbsp;9726202469 | &nbsp;&nbsp;9742172415 | &nbsp;&nbsp;9757330577 | &nbsp;&nbsp;9776627730 | &nbsp;&nbsp;9794261215 |
| &nbsp;&nbsp;215939984 | &nbsp;&nbsp;216175224 | &nbsp;&nbsp;9713965581 | &nbsp;&nbsp;9726562458 | &nbsp;&nbsp;9742216600 | &nbsp;&nbsp;9757714242 | &nbsp;&nbsp;9777114068 | &nbsp;&nbsp;9794321043 |
| &nbsp;&nbsp;215953712 | &nbsp;&nbsp;216181248 | &nbsp;&nbsp;9714013241 | &nbsp;&nbsp;9726858401 | &nbsp;&nbsp;9742236095 | &nbsp;&nbsp;9757765970 | &nbsp;&nbsp;9777361701 | &nbsp;&nbsp;9794372426 |
| &nbsp;&nbsp;215958059 | &nbsp;&nbsp;216193599 | &nbsp;&nbsp;9714138295 | &nbsp;&nbsp;9727593874 | &nbsp;&nbsp;9742893267 | &nbsp;&nbsp;9758226956 | &nbsp;&nbsp;9778102872 | &nbsp;&nbsp;9794684002 |
| &nbsp;&nbsp;215960386 | &nbsp;&nbsp;216195925 | &nbsp;&nbsp;9714509784 | &nbsp;&nbsp;9728598062 | &nbsp;&nbsp;9743184468 | &nbsp;&nbsp;9758621511 | &nbsp;&nbsp;9778280439 | &nbsp;&nbsp;9795001347 |
| &nbsp;&nbsp;215963117 | &nbsp;&nbsp;216209148 | &nbsp;&nbsp;9714730026 | &nbsp;&nbsp;9728660136 | &nbsp;&nbsp;9743248370 | &nbsp;&nbsp;9759141956 | &nbsp;&nbsp;9778513268 | &nbsp;&nbsp;9795526426 |
| &nbsp;&nbsp;215969619 | &nbsp;&nbsp;216225508 | &nbsp;&nbsp;9714878866 | &nbsp;&nbsp;9728982589 | &nbsp;&nbsp;9743549306 | &nbsp;&nbsp;9760706516 | &nbsp;&nbsp;9778667759 | &nbsp;&nbsp;9795587337 |
| &nbsp;&nbsp;215970245 | &nbsp;&nbsp;216253054 | &nbsp;&nbsp;9714888519 | &nbsp;&nbsp;9729119496 | &nbsp;&nbsp;9743813462 | &nbsp;&nbsp;9761303503 | &nbsp;&nbsp;9778981663 | &nbsp;&nbsp;9795900910 |
| &nbsp;&nbsp;215980160 | &nbsp;&nbsp;216284810 | &nbsp;&nbsp;9715321072 | &nbsp;&nbsp;9729443698 | &nbsp;&nbsp;9743928591 | &nbsp;&nbsp;9761415596 | &nbsp;&nbsp;9780038239 | &nbsp;&nbsp;9796132638 |
| &nbsp;&nbsp;215992413 | &nbsp;&nbsp;9704702068 | &nbsp;&nbsp;9715925500 | &nbsp;&nbsp;9729960295 | &nbsp;&nbsp;9744275687 | &nbsp;&nbsp;9762291277 | &nbsp;&nbsp;9780156627 | &nbsp;&nbsp;9796381375 |
| &nbsp;&nbsp;216001552 | &nbsp;&nbsp;9704834739 | &nbsp;&nbsp;9716395083 | &nbsp;&nbsp;9730003036 | &nbsp;&nbsp;9744918997 | &nbsp;&nbsp;9762521285 | &nbsp;&nbsp;9780750437 | &nbsp;&nbsp;9796431881 |
| &nbsp;&nbsp;216003871 | &nbsp;&nbsp;9704841031 | &nbsp;&nbsp;9716652178 | &nbsp;&nbsp;9730359057 | &nbsp;&nbsp;9744964660 | &nbsp;&nbsp;9763133213 | &nbsp;&nbsp;9781032736 | &nbsp;&nbsp;9796782168 |
| &nbsp;&nbsp;216006197 | &nbsp;&nbsp;9705283555 | &nbsp;&nbsp;9716719043 | &nbsp;&nbsp;9730579712 | &nbsp;&nbsp;9745456047 | &nbsp;&nbsp;9763430494 | &nbsp;&nbsp;9781498838 | &nbsp;&nbsp;9796805340 |
| &nbsp;&nbsp;216008045 | &nbsp;&nbsp;9705744226 | &nbsp;&nbsp;9717029277 | &nbsp;&nbsp;9730637593 | &nbsp;&nbsp;9745509498 | &nbsp;&nbsp;9764265386 | &nbsp;&nbsp;9782061130 | &nbsp;&nbsp;9797126225 |
| &nbsp;&nbsp;216008839 | &nbsp;&nbsp;9705779719 | &nbsp;&nbsp;9717065057 | &nbsp;&nbsp;9730751758 | &nbsp;&nbsp;9745632365 | &nbsp;&nbsp;9764646080 | &nbsp;&nbsp;9782126917 | &nbsp;&nbsp;9797163905 |
| &nbsp;&nbsp;216016709 | &nbsp;&nbsp;9705885870 | &nbsp;&nbsp;9717278262 | &nbsp;&nbsp;9730898435 | &nbsp;&nbsp;9746036780 | &nbsp;&nbsp;9764650017 | &nbsp;&nbsp;9782334909 | &nbsp;&nbsp;9798386596 |
| &nbsp;&nbsp;216017582 | &nbsp;&nbsp;9706016392 | &nbsp;&nbsp;9717406236 | &nbsp;&nbsp;9731003837 | &nbsp;&nbsp;9746384032 | &nbsp;&nbsp;9764700762 | &nbsp;&nbsp;9782393814 | &nbsp;&nbsp;9798717121 |
| &nbsp;&nbsp;216017640 | &nbsp;&nbsp;9706043453 | &nbsp;&nbsp;9717455902 | &nbsp;&nbsp;9731121647 | &nbsp;&nbsp;9746727594 | &nbsp;&nbsp;9764938834 | &nbsp;&nbsp;9782467659 | &nbsp;&nbsp;9798749553 |
| &nbsp;&nbsp;216019901 | &nbsp;&nbsp;9706094902 | &nbsp;&nbsp;9718036008 | &nbsp;&nbsp;9731174067 | &nbsp;&nbsp;9746863290 | &nbsp;&nbsp;9765169207 | &nbsp;&nbsp;9782676283 | &nbsp;&nbsp;9799729315 |
| &nbsp;&nbsp;216034769 | &nbsp;&nbsp;9706121762 | &nbsp;&nbsp;9718263214 | &nbsp;&nbsp;9731189651 | &nbsp;&nbsp;9747001965 | &nbsp;&nbsp;9767391155 | &nbsp;&nbsp;9783341937 | &nbsp;&nbsp;9799794798 |
| &nbsp;&nbsp;216041947 | &nbsp;&nbsp;9706596419 | &nbsp;&nbsp;9718518542 | &nbsp;&nbsp;9731445657 | &nbsp;&nbsp;9747227586 | &nbsp;&nbsp;9767981500 | &nbsp;&nbsp;9783395768 | &nbsp;&nbsp;9799909453 |
| &nbsp;&nbsp;216043729 | &nbsp;&nbsp;9706781342 | &nbsp;&nbsp;9718843742 | &nbsp;&nbsp;9731581279 | &nbsp;&nbsp;9747362383 | &nbsp;&nbsp;9768226731 | &nbsp;&nbsp;9784076581 | &nbsp;&nbsp;9799987046 |
| &nbsp;&nbsp;216050484 | &nbsp;&nbsp;9706804706 | &nbsp;&nbsp;9718894612 | &nbsp;&nbsp;9731597150 | &nbsp;&nbsp;9747689447 | &nbsp;&nbsp;9768696107 | &nbsp;&nbsp;9784132749 |  |
| &nbsp;&nbsp;216057539 | &nbsp;&nbsp;9706837847 | &nbsp;&nbsp;9719003734 | &nbsp;&nbsp;9731599156 | &nbsp;&nbsp;9747865328 | &nbsp;&nbsp;9768913684 | &nbsp;&nbsp;9784463003 |  |
| &nbsp;&nbsp;216058149 | &nbsp;&nbsp;9706990091 | &nbsp;&nbsp;9719094808 | &nbsp;&nbsp;9732255162 | &nbsp;&nbsp;9748042653 | &nbsp;&nbsp;9769106585 | &nbsp;&nbsp;9784693054 |  |
| &nbsp;&nbsp;216058164 | &nbsp;&nbsp;9707043957 | &nbsp;&nbsp;9719286941 | &nbsp;&nbsp;9732662706 | &nbsp;&nbsp;9748435527 | &nbsp;&nbsp;9770391531 | &nbsp;&nbsp;9785004723 |  |
| &nbsp;&nbsp;216058180 | &nbsp;&nbsp;9707532108 | &nbsp;&nbsp;9719507940 | &nbsp;&nbsp;9733100052 | &nbsp;&nbsp;9748547040 | &nbsp;&nbsp;9770396548 | &nbsp;&nbsp;9785115867 |  |
| &nbsp;&nbsp;216058222 | &nbsp;&nbsp;9707536257 | &nbsp;&nbsp;9719554975 | &nbsp;&nbsp;9733383476 | &nbsp;&nbsp;9748594034 | &nbsp;&nbsp;9770832211 | &nbsp;&nbsp;9785132763 |  |
| &nbsp;&nbsp;216078568 | &nbsp;&nbsp;9707748043 | &nbsp;&nbsp;9719879158 | &nbsp;&nbsp;9733460357 | &nbsp;&nbsp;9748661932 | &nbsp;&nbsp;9770912153 | &nbsp;&nbsp;9785721342 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  | 1 | 09-XX-2025 |
| 5 | XX |  |  | 08-XX-2025 | XX | 0 | 0 | XX | 07-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6 | XX |  |  | 10-XX-2025 | XX | 0 | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 68.73 | 74.97 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 7 | XX |  |  | 08-XX-2025 | XX |  | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  | 1.3 | 08-XX-2025 |
| 8 | XX |  |  | 08-XX-2025 | XX |  | 0 | XX | 04-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 08-XX-2025 |
| 13 | XX |  |  | 10-XX-2025 | XX | 0 | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0758 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0758 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 09-XX-2025 | Not Eligible |  |  |
| 16 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17 | XX |  |  | 10-XX-2025 | XX | 0 | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.63 | 60.63 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  | 1.1 | 08-XX-2025 |
| 19 | XX |  |  | 09-XX-2025 | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 71.61 | 71.61 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 23 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 25 | XX |  |  | 08-XX-2025 | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 72.33 | 72.33 | XX | XX | -.0629 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0629 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-XX-2025 |
| 27 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 31 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 35.09 | 35.09 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 33 | XX |  |  | 09-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 34 | XX |  |  | 10-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 51.76 | 51.76 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 35 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 37 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 39 | XX |  |  | 09-XX-2025 | XX | XX | 0 | XX | 07-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 66.71 | 66.71 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-XX-2025 |  | 1 | 07-XX-2025 |
| 40 | XX |  |  | 09-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 41 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 65.63 | 65.63 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  | 1.2 | 08-XX-2025 |
| 43 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 46.33 | 46.33 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  | 2.9 | 09-XX-2025 |
| 44 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 46 | XX |  |  | 10-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 48 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 44.03 | 44.03 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 3.6 | 10-XX-2025 |
| 49 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 50 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 68.52 | 68.52 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 10-XX-2025 |
| 51 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 31.6 | 31.6 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 53 | XX |  |  | 09-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 54 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.17 | 79.17 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  | 1 | 09-XX-2025 |
| 56 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 09-XX-2025 | Not Eligible |  |  |
| 57 | XX |  |  | 09-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 59 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 57.29 | 57.29 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 62 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 64 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 29.62 | 29.62 | XX | XX | -.0521 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0521 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 2.7 | 10-XX-2025 |
| 65 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 64.29 | 64.29 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  | 1 | 09-XX-2025 |
| 67 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.11 | 69.11 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1.9 | 10-XX-2025 |
| 69 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 3.5 | 10-XX-2025 |
| 70 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 73 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  | 1 | 09-XX-2025 |
| 78 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 30.0 | 30.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 63.5 | 63.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-XX-2025 |
| 85 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 50.48 | 50.48 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 89 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 59.02 | 59.02 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 3.3 | 10-XX-2025 |
| 91 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 92 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 73.99 | 73.99 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 93 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 71.67 | 71.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 94 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 63.26 | 63.26 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 108 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 109 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.99 | 79.99 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1.4 | 10-XX-2025 |
| 113 | XX |  |  | 10-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | High Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 117 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0373 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0373 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 120 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 127 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 129 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.15 | 69.15 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 3.7 | 10-XX-2025 |
| 130 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 132 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 133 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 134 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 136 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 140 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX |  |  |  |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 141 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.04 | 69.04 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 148 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 153 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 4.2 | 10-XX-2025 |
| 160 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 49.63 | 49.63 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 169 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 171 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 172 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-XX-2025 |
| 173 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 176 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 186 | XX |  |  | 10-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 73.07 | 73.07 | XX | XX | -.0838 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0838 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 192 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 195 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 69.25 | 69.25 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 199 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 46.38 | 46.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 206 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 208 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 216 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 221 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 229 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 237 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 251 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  | 1 | 11-XX-2025 |
| 253 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  | 2.2 | 11-XX-2025 |
| 254 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 255 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 257 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 258 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  | 1 | 11-XX-2025 |
| 259 | XX |  |  | 12-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 74.99 | 74.99 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 263 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 264 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 72.14 | 72.14 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 265 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 266 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 55.1 | 55.1 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 269 | XX |  |  | 12-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 271 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 272 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 68.65 | 68.65 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-XX-2025 |
| 273 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 47.62 | 47.62 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  | 2.6 | 11-XX-2025 |
| 275 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 3.1 | 10-XX-2025 |
| 276 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 278 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 279 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 280 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 282 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.09 | 79.09 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  | 1.3 | 08-XX-2025 |
| 287 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 288 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 10-XX-2025 |
| 290 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 291 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 292 | XX |  |  | 12-XX-2025 | XX | 0 | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 48.1 | 48.1 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 296 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-XX-2025 |
| 297 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 10-XX-2025 | Not Eligible |  | 10-XX-2025 |
| 299 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 300 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 301 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 302 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.98 | 74.98 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  | 1 | 09-XX-2025 |
| 304 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 306 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 307 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 308 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 312 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.13 | 79.13 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 314 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.74 | 79.74 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  | 1.4 | 11-XX-2025 |
| 316 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 55.5 | 55.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 317 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 318 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 319 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 61.39 | 61.39 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 321 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 324 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 325 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 326 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 2.7 | 10-XX-2025 |
| 327 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 60.0 | 60.0 | XX | XX | -.0914 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0914 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  | 2.7 | 09-XX-2025 |
| 329 | XX |  |  | 10-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 62.65 | 62.65 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 330 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 53.33 | 53.33 | XX | XX | .0133 | 1004 URAR |  |  |  |  | XX | XX | .0133 | 10-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 331 | XX |  |  | 10-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-XX-2025 | Eligible | 1.5 | 10-XX-2025 |
| 332 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 333 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 336 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 | Eligible |  | 10-XX-2025 |
| 339 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0021 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0021 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-XX-2025 |
| 341 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 83.05 | 83.05 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 11-XX-2025 | Not Eligible |  |  |
| 343 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 67.02 | 67.02 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 344 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 35.1 | 35.1 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 346 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 48.72 | 48.72 | XX | XX | -.0232 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0232 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-XX-2025 |
| 348 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 49.02 | 49.02 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 349 | XX |  |  | 12-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 35.38 | 35.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 3.4 | 10-XX-2025 |
| 350 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 351 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 52.83 | 52.83 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 353 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 58.22 | 58.22 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 354 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 09-XX-2025 | Not Eligible |  |  |
| 356 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.52 | 65.52 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 359 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 360 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 363 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 72.29 | 72.29 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 364 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 367 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 369 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.19 | 69.19 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 370 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 372 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 373 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 374 | XX |  |  | 12-XX-2025 | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 62.32 | 62.32 | XX | XX | .0264 | 1004 URAR |  |  |  |  | XX | XX | .0264 | 11-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 | Eligible |  |  |
| 375 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 78.55 | 78.55 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 376 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 72.63 | 72.63 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 378 | XX |  |  | 12-XX-2025 | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.97 | 69.97 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 11-XX-2025 | Eligible |  |  |
| 379 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 385 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.86 | 65.86 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  | 1.4 | 11-XX-2025 |
| 388 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 392 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX |  |  |  |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 395 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.18 | 70.18 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 396 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 398 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 399 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 72.06 | 72.06 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  | 3.5 | 06-XX-2025 | Not Eligible |  | 06-XX-2025 |
| 400 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 49.31 | 49.31 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 401 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 403 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 404 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 405 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 10-XX-2025 |
| 409 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0800 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0800 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 410 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0208 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0208 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 2 | 10-XX-2025 |
| 413 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 414 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 415 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 417 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.9 | 79.9 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-XX-2025 | Not Eligible |  | 10-XX-2025 |
| 418 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 419 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 66.53 | 66.53 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 420 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 44.12 | 44.12 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 422 | XX |  |  | 12-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 68.55 | 68.55 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 423 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0358 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0358 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1.4 | 10-XX-2025 |
| 425 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | -.0863 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0863 | XXXX | Moderate Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 426 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 428 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.25 | 79.25 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 429 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | .0600 | 1025 Small Residential Income Report |  |  |  |  | XX | XX | .0600 | 09-XX-2025 | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 430 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-XX-2025 | Eligible |  |  |
| 431 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 432 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.67 | 65.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 10-XX-2025 |
| 433 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 434 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 37.67 | 37.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 435 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 84.66 | 84.66 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  | 1 | 09-XX-2025 |
| 437 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-XX-2025 |
| 439 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  | 1 | 11-XX-2025 |
| 440 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 68.38 | 68.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 441 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 34.43 | 34.43 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 442 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 | Eligible |  |  |
| 443 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 55.56 | 55.56 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 444 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 445 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 74.63 | 74.63 | XX | XX | -.0746 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0746 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 446 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 447 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 449 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 450 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-XX-2025 |
| 452 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | -.0519 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0519 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 453 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 | Eligible |  | 11-XX-2025 |
| 454 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 54.8 | 54.8 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 455 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 456 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | .0060 | 1004 URAR |  |  |  |  | XX | XX | .0060 | 09-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 457 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 58.93 | 58.93 | XX | XX | -.0690 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0690 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 459 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 460 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 461 | XX |  |  | 12-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 68.46 | 68.46 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 463 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 55.65 | 55.65 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 467 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 468 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 2.5 | 10-XX-2025 |
| 469 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  | 2.6 | 11-XX-2025 |
| 470 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | .0018 | 1004 URAR |  |  |  |  | XX | XX | .0018 | 10-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 2 | 10-XX-2025 |
| 471 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 472 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .1000 | 1073 Individual Condo Report |  |  |  |  | XX | XX | .1000 | 10-XX-2025 | 1073 Individual Condo Report |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 11-XX-2025 |
| 474 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 59.75 | 59.75 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 477 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 478 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.44 | 74.44 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 479 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  | 1 | 11-XX-2025 |
| 480 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 74.63 | 74.63 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 481 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1.2 | 10-XX-2025 |
| 485 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 72.01 | 72.01 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 487 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 488 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 64.25 | 64.25 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 491 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 492 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 493 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .2381 | 1025 Small Residential Income Report |  |  |  |  | XX | XX | .2381 | 08-XX-2025 | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 496 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 498 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.68 | 75.68 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 499 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 501 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .0096 | 1004 URAR |  |  |  |  | XX | XX | .0096 | 10-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 503 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  | 1 | 11-XX-2025 |
| 504 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 11-XX-2025 | Not Eligible |  | 11-XX-2025 |
| 505 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 4.1 | 10-XX-2025 |
| 506 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 507 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 11-XX-2025 | Not Eligible |  |  |
| 509 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-XX-2025 |
| 510 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 50.62 | 50.62 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 511 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 513 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 62.96 | 62.96 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 515 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  | 1.4 | 09-XX-2025 |
| 516 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-XX-2025 |
| 517 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-XX-2025 |  | 3.4 | 09-XX-2025 |
| 520 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1.5 | 10-XX-2025 |
| 521 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 522 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 51.95 | 51.95 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 523 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 525 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 526 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 529 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 530 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 531 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 0 | 10-XX-2025 |
| 532 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 533 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.93 | 60.93 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 535 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 537 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 539 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.6 | 74.6 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 541 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 542 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 48.54 | 48.54 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 11-XX-2025 |
| 543 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.9 | 69.9 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 544 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 547 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0870 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0870 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 551 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 554 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 2.4 | 10-XX-2025 |
| 555 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 556 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 52.17 | 52.17 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 558 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .3839 | 1025 Small Residential Income Report |  |  |  |  | XX | XX | .3839 | 09-XX-2025 | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 561 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 563 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 564 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1.6 | 10-XX-2025 |
| 565 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 567 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 570 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 572 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 55.66 | 55.66 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 08-XX-2025 |
| 575 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-XX-2025 |  | 1 | 08-XX-2025 |
| 576 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 578 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 579 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 580 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-XX-2025 |
| 581 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 583 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 584 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 62.76 | 62.76 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 585 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1.1 | 10-XX-2025 |
| 589 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 592 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 71.68 | 71.68 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 593 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0692 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0692 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 595 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .0309 | 1004 URAR |  |  |  |  | XX | XX | .0309 | 08-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 08-XX-2025 |
| 596 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 597 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 598 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 600 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 34.12 | 34.12 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-XX-2025 |
| 601 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 48.78 | 48.78 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 602 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.44 | 79.44 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 603 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 606 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 607 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 68.42 | 68.42 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 610 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 611 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.81 | 74.81 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-XX-2025 | Eligible |  |  |
| 613 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 3.5 | 10-XX-2025 |
| 616 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 619 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 620 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.86 | 74.86 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 622 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 623 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1.9 | 10-XX-2025 |
| 624 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | XX | .1712 | 1004 URAR |  |  |  |  | XX | XX | .1712 | 10-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 11-XX-2025 | Not Eligible | 3.6 | 11-XX-2025 |
| 625 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 56.08 | 56.08 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 3.3 | 10-XX-2025 |
| 626 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 72.86 | 72.86 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 628 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 629 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 66.0 | 66.0 | XX | XX | -.0862 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0862 | XXXX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 631 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 633 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 52.08 | 52.08 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-XX-2025 |
| 634 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .0036 | 1004 URAR |  |  |  |  | XX | XX | .0036 | 11-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 635 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 4.3 | 10-XX-2025 |
| 636 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 67.16 | 67.16 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 638 | XX |  |  | 10-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 640 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 641 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 09-XX-2025 |
| 643 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 644 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 645 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XX | XX | .0000 | 09-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 646 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 647 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 648 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 09-XX-2025 |
| 651 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 06-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 07-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 652 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.1 | 69.1 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 654 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 655 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 657 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 45.45 | 45.45 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 10-XX-2025 |
| 658 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 659 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 660 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0526 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0526 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 663 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0426 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0426 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 664 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 666 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 77.47 | 77.47 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 2.5 | 10-XX-2025 |
| 668 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | .0228 | 1004 URAR |  |  |  |  | XX | XX | .0228 | 10-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 669 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 673 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 67.06 | 67.06 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 676 | XX |  |  | 10-XX-2025 | XX | 0 | 0 | XX | 07-XX-2025 | 1004 URAR | XX | XX | XX | XX | 84.92 | 84.92 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 679 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 | Eligible |  | 09-XX-2025 |
| 680 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 55.0 | 55.0 | XX | XX | -.0341 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0341 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 683 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 684 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR Desktop | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0435 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0435 | XXXX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 686 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 64.52 | 64.52 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 3.9 | 10-XX-2025 |
| 687 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 689 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 56.59 | 56.59 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 692 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 5 | 10-XX-2025 |
| 693 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 694 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 71.43 | 71.43 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-XX-2025 |
| 695 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 699 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0968 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0968 | XXXX | High Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 701 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 10-XX-2025 | Not Eligible |  | 10-XX-2025 |
| 705 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 57.03 | 57.03 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  | 2.1 | 11-XX-2025 |
| 706 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0431 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0431 | XX | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 708 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-XX-2025 |
| 709 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 711 | XX |  |  | 12-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 712 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 11-XX-2025 | Not Eligible |  | 11-XX-2025 |
| 713 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 715 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 717 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 09-XX-2025 |
| 718 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 46.16 | 46.16 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 721 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 | Eligible |  |  |
| 723 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 37.14 | 37.14 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 725 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 726 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 727 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 52.89 | 52.89 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-XX-2025 | Eligible |  | 11-XX-2025 |
| 728 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 61.83 | 61.83 | XX | XX | .1368 | 1004 URAR |  |  |  |  | XX | XX | .1368 | 09-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 729 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0697 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0697 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 730 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 733 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 64.27 | 64.27 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 740 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 741 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 742 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 743 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 746 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 747 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 38.68 | 38.68 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 749 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 50.76 | 50.76 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 750 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 751 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 10-XX-2025 |
| 753 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 754 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 755 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1 | 10-XX-2025 |
| 757 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 758 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 11-XX-2025 | Not Eligible |  | 11-XX-2025 |
| 759 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .1029 | 1004 URAR |  |  |  |  | XX | XX | .1029 | 11-XX-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-XX-2025 |
| 760 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 72.35 | 72.35 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 10-XX-2025 |
| 762 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 73.57 | 73.57 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 11-XX-2025 |
| 763 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 767 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 768 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 769 | XX |  |  | 12-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.88 | 65.88 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 10-XX-2025 |
| 770 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 772 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.39 | 79.39 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-XX-2025 | Eligible |  | 10-XX-2025 |
| 773 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 62.21 | 62.21 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.23 | 69.23 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782 | XX |  |  | 11-XX-2025 | XX | 0 | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 53.68 | 53.68 | XX | 0.0 | .0000 | AVE/CMA |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 787 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 55.49 | 55.49 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-XX-2025 | Eligible |  | 11-XX-2025 |
| 788 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 789 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 794 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 796 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 66.43 | 66.43 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  | 1.2 | 10-XX-2025 |
| 797 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 61.54 | 61.54 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT 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 PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |  |
| Dummy ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| 2 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 5 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 7 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 8 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 13 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 14 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 16 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 17 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 18 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 19 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 20 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 25 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 27 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 31 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 34 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 35 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 37 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 39 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 40 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 41 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 43 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 44 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 46 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 48 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 49 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 50 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 51 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 53 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 54 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 56 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 57 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 59 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 61 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 62 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 64 | XX |  |  | XX | C | C | C | C | C | B | B | B | B | B | A | A | A | B | A | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 65 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 67 | XX |  |  | XX | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 69 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 70 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 73 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 78 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 88 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 89 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 91 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 92 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 93 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 94 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 108 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 109 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 110 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 113 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 117 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 120 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 122 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 127 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 129 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 130 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 132 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 133 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 134 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 136 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 140 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 141 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 148 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 153 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 160 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 169 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 171 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 172 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 173 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 176 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 186 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 192 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 195 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 199 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 206 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 208 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 216 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 221 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 229 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 237 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 251 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 253 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 254 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 255 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 257 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 258 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 259 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 263 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 264 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 265 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 266 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 269 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 271 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 272 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 273 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 275 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 276 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 278 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 279 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 280 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 282 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 287 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 288 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 290 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 291 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 292 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 296 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 297 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 299 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 300 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 301 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 302 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| 304 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 306 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 307 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 308 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 312 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 314 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 316 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 317 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 318 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 319 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 321 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 324 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 325 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 326 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 327 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B |
| 329 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 330 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 331 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 332 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 333 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 336 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 339 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 341 | XX |  |  | XX | B | B | B | B | B | B | B | B | B | B | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B |
| 343 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 344 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 346 | XX |  |  | XX | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 348 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 349 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 350 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 351 | XX |  |  | XX | C | C | C | C | C | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 353 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 354 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 356 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 359 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 360 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 363 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 364 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 367 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 369 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 370 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 372 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 373 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 374 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 375 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 376 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 378 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 379 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 385 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 388 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 392 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 395 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 396 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 398 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 399 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 400 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 401 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 403 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 404 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 405 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 408 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 409 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 410 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 413 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 414 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 415 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 417 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 418 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 419 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 420 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 422 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 423 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 425 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 426 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 428 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 429 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 430 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 431 | XX |  |  | XX | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 432 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 433 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 434 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 435 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 437 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 439 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 440 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 441 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 442 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 443 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 444 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 445 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 446 | XX |  |  | XX | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 447 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 449 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 450 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 452 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 453 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 454 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 455 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 456 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 457 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 459 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 460 | XX |  |  | XX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 461 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 463 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 467 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 468 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 469 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 470 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 471 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 472 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 474 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 477 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 478 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 479 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 480 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 481 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 485 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 487 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 488 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 491 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 492 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 493 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 496 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 498 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 499 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 501 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 503 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 504 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 505 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 506 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 507 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 509 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 510 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 511 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 513 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 515 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 516 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 517 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 520 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 521 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 522 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 523 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 525 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 526 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 529 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 530 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 531 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 532 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 533 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 535 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 537 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 539 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 541 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 542 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 543 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 544 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 547 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 551 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 554 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 555 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 556 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 558 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 561 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 563 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B |
| 564 | XX |  |  | XX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 565 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 567 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 570 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 572 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 575 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 576 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 578 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 579 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 580 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 581 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 583 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 584 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 585 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 589 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 592 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 593 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 595 | XX |  |  | XX | B | B | B | B | B | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B |
| 596 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 597 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 598 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 600 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 601 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 602 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 603 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 606 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 607 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 610 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 611 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 613 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 616 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 619 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 620 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 622 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 623 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 624 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 625 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 626 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 628 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 629 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 631 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 633 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 634 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 635 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 636 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 638 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 640 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 641 | XX |  |  | XX | D | D | D | D | D | C | C | C | C | C | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 643 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 644 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 645 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 646 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 647 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 648 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 651 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 652 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 654 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 655 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 657 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 658 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 659 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 660 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 663 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 664 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 666 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 668 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 669 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 673 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 676 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 679 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 680 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 683 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 684 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 686 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 687 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 689 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 692 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B |
| 693 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 694 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 695 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 699 | XX |  |  | XX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 701 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 705 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 706 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 708 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 709 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 711 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 712 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 713 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 715 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 717 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 718 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 721 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 723 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 725 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 726 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 727 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 728 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 729 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 730 | XX |  |  | XX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 733 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 740 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 741 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 742 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 743 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 746 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 747 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 749 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 750 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 751 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 753 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 754 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 755 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 757 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 758 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 759 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 760 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 762 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 763 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 767 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 768 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 769 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 770 | XX |  |  | XX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 772 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 773 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 777 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 778 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 781 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 782 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 787 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 788 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 789 | XX |  |  | XX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 793 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 794 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 796 | XX |  |  | XX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 797 | XX |  |  | XX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| 2 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5621.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.48 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 5 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2960 | 2500 | Appraisal - 1025 |  |  |  |  | 2500 | Appraisal - 1025 | No | 69.05 | 1.448 | 1.448 | 1726.13 | 1575 | 06-01-2026 | 12 | 1385 | 02-03-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 2500 |  |  |  |  |  |  | No | No | 2.8 | 1 | 1 | N/A | 77.29 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 6 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 6484 | 9100 | Appraisal - 1025 |  |  |  |  | 6484 | Actual In Place Rent | No | 89.81 | 1.113 | 1.113 | 5823.34 | 1900 | 08-31-2025 | 1 | 2000 | 08-31-2025 | 1 | 2584 | 12-31-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 270900 |  |  |  | 6484 |  |  |  |  |  |  | No | No | 19 | 1 | 1 | N/A | 77.23 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 7 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | Yes |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2019.73 | 2000 | 10-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4500 |  |  |  |  |  |  |  |  |  |  |  | No | 5.4 | 1 | 1 | N/A | 17.62 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 13 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2275 | 2325 | Appraisal - 1025 |  |  |  |  | 2275 | Actual In Place Rent | No | 58.85 | 1.699 | 1.699 | 1338.85 | 950 | 02-14-2026 | 12 | 1325 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 2275 |  |  |  |  |  |  | No | No | 4.7 | 1 | 1 | N/A | 40.6 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 16 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1700 | 1900 | Appraisal - 1007 |  |  |  |  | 1700 | Actual In Place Rent | No | 95.01 | 1 | 1.052 | 1615.23 | 1700 | 07-11-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9339.84 |  |  |  | 1700 |  |  |  |  |  |  | No | No | 3.1 | 1 | 1 | N/A | 13.43 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 17 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1650 | 2000 | Appraisal - 1025 |  |  |  |  | 1650 | Actual In Place Rent | No | 87.42 | 1.14 | 1.144 | 1442.41 | 750 | 06-30-2025 | 1 | 900 | 02-28-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17299.2 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 424.54 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 19 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1650 | 1610 | Appraisal - 1007 |  |  |  |  | 1650 | Actual In Place Rent | No | 77.68 | 1.27 | 1.287 | 1281.65 | 1650 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12700 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 16.87 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 20 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1550 | Appraisal - 1007 |  |  |  |  | 1550 | Appraisal - 1007 | No | 62.3 | 1.59 | 1.605 | 965.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11587.08 |  |  |  | 1550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.15 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 23 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2084.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 172.24 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 25 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3065 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 131.7 | 0.759 | 0.759 | 3951 | 3065 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36000 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 4.3 | 1 | 1 | N/A | 134.16 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 33 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4260 | Short Term Rental | 3225 | XX | 12 | 68.00% | 3225 | AirDNA | Yes | 97.17 | 1.029 | 1.029 | 3133.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26000 |  |  |  | 3225 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 45.44 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 34 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2925 | 2950 | Appraisal - 1007 |  |  |  |  | 2925 | Actual In Place Rent | No | 98.24 | 1.018 | 1.018 | 2873.58 | 2925 | 10-07-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35100 |  |  |  | 2925 |  |  |  |  |  |  | No | No | 4.9 | 1 | 1 | N/A | 24.32 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 37 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2400 | 2550 | Appraisal - 1025 |  |  |  |  | 2400 | Actual In Place Rent | No | 65.5 | 1.52 | 1.527 | 1572.08 | 1000 | 01-31-2026 | 12 | 1400 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18864.96 |  |  |  | 2400 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 15.72 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 40 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4333.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 38.38 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 41 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2598 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  |  |  |  |  |  |  |  |  |  |  | No | 3.3 | 1 | 1 | N/A | 93.27 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 46 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2400 | 2550 | Appraisal - 1007 |  |  |  |  | 2400 | Actual In Place Rent | No | 96.04 | 1.02 | 1.041 | 2304.93 | 2400 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26079.24 |  |  |  | 2400 |  |  |  |  |  |  | No | No | 3.7 | 1 | 1 | N/A | 28.47 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 49 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1845 | Appraisal - 1007 |  |  |  |  | 1845 | Appraisal - 1007 | No | 82.61 | 1.21 | 1.21 | 1524.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22140 |  |  |  | 1845 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 40.54 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 53 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1007 |  |  |  |  | 4000 | Appraisal - 1007 | No | 87.33 | 1.14 | 1.145 | 3493.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41916.48 |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 63.66 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 56 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 9104.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 178.07 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 57 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1025 |  |  |  |  | 3000 | Appraisal - 1025 | No | 86.01 | 1.16 | 1.163 | 2580.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38920 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 41 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 59 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 2450 | Appraisal - 1007 |  |  |  |  | 2450 | Appraisal - 1007 | No | 103.16 | 0.9 | 0.969 | 2527.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25507.92 |  |  |  | 2450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 267.82 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 62 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  |  |  |  |  |  | 2350 |  | No | 99.42 | 1.006 | 1.006 | 2336.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14100 |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 75.44 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 69 | XX |  |  | XX | XX | 24 Month Bank Statement | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5849.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 76000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 5.35 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 73 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1916.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 112.9 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 78 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2075 | Appraisal - 1007 |  |  |  |  | 2075 | Appraisal - 1007 | No | 59.08 | 1.69 | 1.693 | 1225.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14711.04 |  |  |  | 2075 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 158.5 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 85 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 65.75 | 1.13 | 1.521 | 1117.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 118.66 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 88 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4446.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 295.26 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 92 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1700 | Appraisal - 1007 |  |  |  |  | 1300 | Actual In Place Rent | No | 113.14 | 0.884 | 0.884 | 1470.82 | 1300 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15600 |  |  |  | 1300 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 51.06 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Tenant |
| 93 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1820 | 1825 | Appraisal - 1007 |  |  |  |  | 1820 | Actual In Place Rent | No | 72.53 | 1.37 | 1.379 | 1320.08 | 1820 | 03-31-2028 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15550.92 |  | 0 |  | 1820 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 56.89 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Tenant |
| 94 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1973 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 81.83 | 1.22 | 1.222 | 1391.16 | 1973 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 69660 |  |  |  | 1700 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 54.27 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 108 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3450 | Appraisal - 1007 |  | N/A |  |  | 3450 | Appraisal - 1007 | No | 72.46 | 1.38 | 1.38 | 2499.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47500 |  |  |  | 3450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.86 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 113 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1400 | 1400 | Appraisal - 1007 |  |  |  |  | 1400 | Actual In Place Rent | No | 77.41 | 1.292 | 1.292 | 1083.69 | 1400 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16800 |  |  |  | 1400 |  |  |  |  |  |  | No | No | 2 | 1 | 1 | N/A | 102.43 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 120 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  |  |  |  | 2200 | Appraisal - 1007 | No | 77.83 | 1.285 | 1.285 | 1712.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 52.8 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 122 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4119.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 162.95 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 130 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 5200 | 5200 | Appraisal - 1007 |  |  |  |  | 5200 | Actual In Place Rent | No | 82.41 | 1.21 | 1.214 | 4285.1 | 2600 | 11-30-2026 | 36 | 2600 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 162400 |  |  |  | 5200 |  |  |  |  |  |  | No | No | 4.1 | 1 | 1 | N/A | 26.46 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 133 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2475 | Appraisal - 1007 |  |  |  |  | 2475 | Appraisal - 1007 | No | 92.35 | 1.03 | 1.083 | 2285.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18745.56 |  |  |  | 2475 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 93.14 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 134 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 7700 | 6500 | Appraisal - 1025 |  |  |  |  | 6500 | Appraisal - 1025 | No | 71.94 | 1.39 | 1.39 | 4675.86 | 2900 | 12-31-2025 | 1 | 4800 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 138500 |  |  |  | 6500 |  |  |  |  |  |  | No | No | 4.1 | 1 | 1 | N/A | 29.26 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 136 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3400 | Appraisal - 1025 |  |  |  |  | 3400 | Appraisal - 1025 | No | 69.16 | 1.43 | 1.446 | 2351.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120800 |  |  |  | 3400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 40.11 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 140 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1025 |  |  |  |  | 2100 | Appraisal - 1025 | No | 78.2 | 1.24 | 1.279 | 1642.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20283.24 |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.56 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 141 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 78.54 | 1.273 | 1.273 | 2356.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60660 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 170.05 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Vacant |
| 148 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2825.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 95000 |  |  |  |  |  |  |  |  |  |  |  | No | 2 | 1 | 1 | N/A | 46.27 | Yes | XX | Limited Liability Corporation (LLC) | Business Entity | XX | XX | Business Entity | XX | XX | Business Entity | XX | XX |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XX | Owner |
| 160 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1007 |  |  |  |  | 2800 | Appraisal - 1007 | No | 74.76 | 1.338 | 1.338 | 2093.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33600 |  |  |  | 2800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 729.8 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 169 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4200 | Appraisal - 1007 |  |  |  |  | 4200 | Appraisal - 1007 | No | 130.18 | 0.77 | 0.768 | 5467.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 72500 |  |  |  | 4200 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 6.05 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 171 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1729.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 126.31 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 172 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 2488.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.85 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 173 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1007 |  |  |  |  | 2800 | Appraisal - 1007 | No | 94.33 | 1.06 | 1.06 | 2641.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38000 |  |  |  | 2800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 49.71 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 186 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4500 | 4500 | Appraisal - 1007 |  |  |  |  | 4500 | Appraisal - 1007 | No | 99.46 | 1.01 | 1.005 | 4475.63 | 4500 | 07-15-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56500 |  |  |  | 4500 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 45.23 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Vacant |
| 192 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4575 | Appraisal - 1007 |  |  |  |  | 4575 | Appraisal - 1007 | No | 142.63 | 0.7 | 0.701 | 6525.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 121200 |  |  |  | 4575 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 138.22 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 206 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3400.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52500 |  |  |  |  |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 10.68 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 208 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 800 | 1100 | Appraisal - 1007 |  |  |  |  | 800 | Actual In Place Rent | No | 115.24 | 0.868 | 0.868 | 921.94 | 800 | 01-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 25.45 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 216 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2675 | Appraisal - 1007 |  |  |  |  | 2675 | Appraisal - 1007 | No | 91.21 | 1.09 | 1.096 | 2439.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 44600 |  |  |  | 2675 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 52.81 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 221 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 90.13 | 1.1 | 1.11 | 1622.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 73.23 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 229 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Appraisal - 1007 | No | 84.67 | 1.18 | 1.181 | 1608.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14180.04 |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.48 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 237 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3750 | 3800 | Appraisal - 1007 |  |  |  |  | 3750 | Actual In Place Rent | No | 82.05 | 1.14 | 1.219 | 3076.99 | 1100 | 11-25-2025 | 1 | 900 | 11-25-2025 | 1 | 800 | 11-25-2025 | 1 | 950 | 11-25-2025 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 84000 |  |  |  | 3750 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 237.14 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 253 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 8839.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.19 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 254 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Short Term Rental | 2533.33 | XX | 12 | 37.00% | 2533.33 | AirDNA | Yes | 70.43 | 1.36 | 1.42 | 1784.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29500 |  |  |  | 2533.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 62.88 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 255 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 96.87 | 1.03 | 1.032 | 2227.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35460 |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 68.31 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 257 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2128.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 38.5 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 258 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2654.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 138.58 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 259 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2837.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 5.18 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 263 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1141.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 108.06 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 264 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4624.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.97 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 269 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 5062 | 4800 | Appraisal - 1007 |  |  |  |  | 5062 | Actual In Place Rent | No | 99.09 | 1.009 | 1.009 | 5016.07 | 2222 | 03-01-2026 | 12 | 2840 | 08-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60110 |  |  |  | 5062 |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 52.56 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 271 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1450 | Appraisal - 1007 |  |  |  |  | 1450 | Appraisal - 1007 | No | 86.64 | 1.15 | 1.154 | 1256.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32900 |  |  |  | 1450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 123.35 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 276 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4400 | Appraisal - 1025 |  |  |  |  | 4400 | Appraisal - 1025 | No | 70.67 | 1.35 | 1.351 | 3109.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37312.92 |  |  |  | 4400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 40.06 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 278 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 80.53 | 1.242 | 1.242 | 1932.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 323.44 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 280 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2525 | Appraisal - 1007 |  |  |  |  | 2525 | Appraisal - 1007 | No | 95.33 | 1.06 | 1.049 | 2407.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52500 |  |  |  | 2525 |  |  |  |  |  |  |  | No | 6 | 1 | 1 | N/A | 7.15 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 282 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1350 | Appraisal - 1007 |  |  |  |  | 1350 | Appraisal - 1007 | No | 74.15 | 1.34 | 1.349 | 1001.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15200 |  |  |  | 1350 |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 | N/A | 54.06 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 287 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 6200 | Short Term Rental | 4991.66 | XX | 12 | 64.00% | 4991.66 | AirDNA | Yes | 115.63 | 0.865 | 0.865 | 5771.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74400 |  |  |  | 4991.66 |  |  |  |  |  |  |  | No | 2.7 | 1 | 1 | N/A | 20.37 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 290 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4471.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 5.94 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 291 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1452 | Appraisal - 1007 |  |  |  |  | 1452 | Appraisal - 1007 | No | 65.55 | 1.52 | 1.526 | 951.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11420.88 |  |  |  | 1452 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 22.71 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 292 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2420 | 3400 | Appraisal - 1025 |  |  |  |  | 2420 | Actual In Place Rent | No | 74.54 | 1.34 | 1.342 | 1803.92 |  |  |  | 2420 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21647.04 |  |  |  | 2420 |  |  |  |  |  |  |  | No | 18.5 | 1 | 1 | N/A | 75.33 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 299 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 7083 | Appraisal - Narrative | 3100 | XX | 12 | 52.30% | 7083 | Appraisal - Narrative | No | 79.6 | 1.25 | 1.256 | 5638.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14000 |  |  |  | 7083 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 66.09 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 300 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 6000 | Appraisal - 1007 |  |  |  |  | 6000 | Appraisal - 1007 | No | 96.82 | 1.03 | 1.033 | 5809.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16000 |  |  |  | 6000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.38 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 301 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 80.4 | 1.24 | 1.244 | 1929.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23154.72 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.29 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 308 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1200 | 1250 | Appraisal - 1007 |  |  |  |  | 1200 | Actual In Place Rent | No | 76.05 | 1.31 | 1.315 | 912.58 | 1200 | 01-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17200 |  |  |  | 1200 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 121.61 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 312 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  |  |  |  | 2900 | Appraisal - 1007 | No | 99.95 | 1 | 1.001 | 2898.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100100 |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.94 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 316 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 7000 | Appraisal - 1007 |  |  |  |  | 7000 | Appraisal - 1007 | No | 86.04 | 0.72 | 1.162 | 6022.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 328000 |  |  |  | 7000 |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 24.36 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 318 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2200 | Appraisal - 1007 |  |  |  |  | 2000 | Actual In Place Rent | No | 86.92 | 1.15 | 1.15 | 1738.44 | 1000 | 04-01-2026 | 12 | 1000 | 04-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20861.28 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 16.52 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 321 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 7300 | Appraisal - 1025 |  |  |  |  | 7300 | Appraisal - 1025 | No | 75.33 | 1.32 | 1.327 | 5499.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 65991.12 |  |  |  | 7300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.56 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 329 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1875 | Appraisal - 1007 |  |  |  |  | 1875 | Appraisal - 1007 | No | 112.75 | 0.887 | 0.887 | 2114.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 1875 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 21.32 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 331 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3350 | Appraisal - 1007 |  |  |  |  | 3350 | Appraisal - 1007 | No | 98.3 | 1.01 | 1.017 | 3293 | 3500 | 10-31-2026 | 12 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34160.04 |  |  |  | 3350 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 51.07 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 332 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1350 | Appraisal - 1007 |  |  |  |  | 1350 | Appraisal - 1007 | No | 78.27 | 1.27 | 1.278 | 1056.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14500 |  |  |  | 1350 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.55 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 333 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Short Term Rental | 3483.33 | XX | 469 | 55.70% | 3483.33 | AirDNA | Yes | 64.21 | 1.65 | 1.557 | 2236.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29800 |  |  |  | 3483.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 32.85 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Vacant |
| 350 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 5800 | Appraisal - 1025 |  |  |  |  | 5800 | Appraisal - 1025 | No | 70.54 | 1.41 | 1.418 | 4091.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 210000 |  |  |  | 5800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 32.27 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 359 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Short Term Rental | 8041 | XX | 12 | 56.00% | 8041 | AirDNA | Yes | 55.85 | 1.791 | 1.791 | 4490.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  |  |  | 8041 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.19 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 360 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4808.33 | XX | 12 | 56.80% | 4808.33 | AirDNA | Yes | 70.16 | 1.42 | 1.425 | 3373.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 57500 |  |  |  | 4808.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.58 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Owner |
| 364 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2000 | 4700 | Appraisal - 1007 |  |  |  |  | 4700 | Appraisal - 1007 | No | 89.35 | 1.167 | 1.119 | 4199.36 | 2000 | 11-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39400 |  |  |  | 4700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 85.08 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 370 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Short Term Rental | 4850 | XX | 12 | 74.00% | 4850 | AirDNA | Yes | 58.72 | 1.7 | 1.703 | 2848 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  |  |  | 4850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 113.81 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 372 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4763.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34600 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 86.79 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 373 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Short Term Rental | 5033.33 | XX | 12 | 64.00% | 5033.33 | AirDNA | Yes | 78.02 | 1.28 | 1.282 | 3926.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35700 |  |  |  | 5033.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.63 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 379 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4300 | 4400 | Appraisal - 1025 |  |  |  |  | 4300 | Actual In Place Rent | No | 61.84 | 1.61 | 1.617 | 2658.94 | 1600 | 11-14-2025 | 1 | 1500 | 03-31-2026 | 12 | 1200 | 02-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 51330 |  |  |  | 4300 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 34.08 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 388 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1200 | 1600 | Appraisal - 1007 |  |  |  |  | 1200 | Actual In Place Rent | No | 85.34 | 1.17 | 1.172 | 1024.1 | 1200 | 11-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27400 |  |  |  | 1200 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 121.08 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Tenant |
| 392 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1885 | 1885 | Appraisal - 1025 |  |  |  |  | 1885 | Actual In Place Rent | No | 63.37 | 1.53 | 1.578 | 1194.46 | 995 | 09-01-2026 | 12 | 890 | 12-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27700 |  |  |  | 1885 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 43.99 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 395 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1950 | 2100 | Appraisal - 1007 |  |  |  |  | 1950 | Actual In Place Rent | No | 85.05 | 1.17 | 1.176 | 1658.45 | 1950 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15766.32 |  |  |  | 1950 |  |  |  |  |  |  | No | No | 5.6 | 1 | 1 | N/A | 50.03 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 396 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 2150 | Appraisal - 1007 |  |  |  |  | 2150 | Appraisal - 1007 | No | 139.43 | 0.71 | 0.717 | 2997.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25800 |  |  |  | 2150 |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 99.88 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 398 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 6500 | Appraisal - 1007 | 2950 | XX | 12 | 54.10% | 6500 | Appraisal - 1007 | No | 78.81 | 1.269 | 1.269 | 5122.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 125000 |  |  |  | 6500 |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 80.76 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Vacant |
| 403 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  |  |  |  | 2500 | Appraisal - 1007 | No | 99.95 | 1 | 1 | 2498.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42000 |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.55 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 405 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1640 | 1600 | Appraisal - 1007 |  |  |  |  | 1640 | Actual In Place Rent | No | 94.31 | 1.06 | 1.06 | 1546.73 | 1640 | 03-31-2028 | 28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26900 |  |  |  | 1640 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 6.8 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 413 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 2200 | Short Term Rental | 3608.33 | XX | 12 | 41.00% | 3608.33 | AirDNA | Yes | 83.27 | 1.2 | 1.201 | 3004.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 3608.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.15 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Owner |
| 415 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3975 | Appraisal - 1007 |  |  |  |  | 3975 | Appraisal - 1007 | No | 154.59 | 0.64 | 0.647 | 6144.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 78700 |  |  |  | 3975 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 42.4 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 418 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2400 | 2300 | Appraisal - 1007 |  |  |  |  | 2400 | Actual In Place Rent | No | 89.37 | 1.11 | 1.119 | 2144.78 | 2400 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29422 |  |  |  | 2400 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 113.93 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 423 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Actual In Place Rent | No | 140.66 | 0.711 | 0.711 | 2813.19 | 2000 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12500 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 10.24 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 426 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4678.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 43.52 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 429 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4676.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.5 | 2 | 1 | N/A | 108.09 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 433 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 914.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.79 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 434 | XX |  |  | XX | XX | 24 Month Bank Statement | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4559.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 482.28 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 445 | XX |  |  | XX | XX | 24 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 7017.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 142800 |  |  |  |  |  |  |  |  |  |  |  | No | 22.3 | 2 | 1 | N/A | 42.61 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 447 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 6658 | XX | 12 | 44.00% | 6658 | AirDNA | Yes | 79.33 | 1.25 | 1.261 | 5281.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42500 |  |  |  | 6658 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.17 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Vacant |
| 449 | XX |  |  | XX | XX | Full Doc | Present | No |  |  | Appraisal - 1025 |  |  |  |  |  |  | No |  |  | 0 | 2654.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 105480 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 99.17 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 452 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3900 | 3800 | Appraisal - 1025 |  |  |  |  | 3800 | Appraisal - 1025 | No | 93.67 | 1.21 | 1.068 | 3559.43 | 2000 | 08-31-2026 | 12 | 1900 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3800 |  |  |  |  |  |  | No | No | 4.2 | 1 | 1 | N/A | 126.15 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 457 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2395 | 4595 | Appraisal - 1025 |  |  |  |  | 4595 | Appraisal - 1025 | No | 85.31 | 1.16 | 1.172 | 3920.13 | 2395 | 01-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 4595 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 176.81 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 459 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1025 |  |  |  |  | 3600 | Appraisal - 1025 | No | 97.49 | 1.02 | 1.026 | 3509.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42800 |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 87.85 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 461 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4600 | 5400 | Appraisal - 1025 |  |  |  |  | 4600 | Actual In Place Rent | No | 99.6 | 1 | 1.004 | 4581.49 | 1500 | 12-03-2025 | 1 | 1600 | 12-03-2025 | 1 | 1500 | 12-03-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54977.88 |  |  |  | 4600 |  |  |  |  |  |  | No | No | 9 | 1 | 1 | N/A | 40.88 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 467 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1560 | Appraisal - 1007 |  |  |  |  | 1560 | Appraisal - 1007 | No | 96.37 | 0.98 | 1.038 | 1503.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28800 |  |  |  | 1560 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.03 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Vacant |
| 471 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 2732 | Appraisal - 1007 |  |  |  |  | 2732 | Appraisal - 1007 | No | 99.27 | 1 | 1.007 | 2711.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 65568 |  |  |  | 2732 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.9 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Vacant |
| 472 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1007 |  |  |  |  | 2800 | Appraisal - 1007 | No | 65.48 | 1.52 | 1.527 | 1833.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 2800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 1273.08 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 474 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3400 | Appraisal - 1007 |  |  |  |  | 3500 | Actual In Place Rent | No | 118.41 | 0.84 | 0.844 | 4144.48 | 3500 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 92190 |  |  |  | 3500 |  |  |  |  |  |  | No | No | 2.6 | 1 | 1 | N/A | 13.79 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 477 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1999.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 116800 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 997.72 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 479 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1365.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29100 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 66.76 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 485 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1050 | 1500 | Appraisal - 1007 |  |  |  |  | 1050 | Actual In Place Rent | No | 99.58 | 1 | 1.004 | 1045.55 | 1050 | 01-31-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  |  |  | 1050 |  |  |  |  |  |  | No | No | 5.4 | 1 | 1 | N/A | 134.44 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 491 | XX |  |  | XX | XX | 24 Month Bank Statement | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2744.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 62.48 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 492 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2150 | Short Term Rental | 3791.66 | XX | 12 | 62.00% | 3791.66 | AirDNA | Yes | 77.33 | 1.29 | 1.293 | 2932.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35185.92 |  |  |  | 3791.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 35.45 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 499 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 7200 | Short Term Rental | 6283.33 | XX | 12 | 50.00% | 6283.33 | AirDNA | Yes | 67.96 | 1.47 | 1.471 | 4270.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 51241.56 |  |  |  | 6283.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.06 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 506 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2450 | Appraisal - 1007 |  |  |  |  | 2450 | Appraisal - 1007 | No | 98.96 | 1.01 | 1.01 | 2424.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20800 |  |  |  | 2450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.31 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 513 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  |  |  |  | 2900 | Appraisal - 1007 | No | 122.83 | 0.81 | 0.814 | 3562.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42000 |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.59 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Vacant |
| 521 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1800 | 2000 | Appraisal - 1007 |  |  |  |  | 1800 | Actual In Place Rent | No | 91.43 | 1.09 | 1.094 | 1645.8 | 1800 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19749.6 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 5.6 | 1 | 1 | N/A | 56.93 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 522 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1575 | Appraisal - 1007 |  |  |  |  | 1575 | Appraisal - 1007 | No | 100.36 | 0.98 | 0.996 | 1580.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18967.8 |  |  |  | 1575 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 39.21 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 523 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3675 | 4100 | Appraisal - 1025 |  |  |  |  | 3675 | Actual In Place Rent | No | 91.38 | 1.04 | 1.094 | 3358.23 | 1875 | 11-10-2025 | 1 | 1800 | 01-10-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  |  |  | 3675 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 166.85 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Tenant |
| 526 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1525 | 1700 | Appraisal - 1007 |  |  |  |  | 1525 | Actual In Place Rent | No | 87.56 | 1.123 | 1.142 | 1335.36 | 1525 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 1525 |  |  |  |  |  |  | No | No | 2.6 | 1 | 1 | N/A | 117.07 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 529 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2650 | 2600 | Appraisal - 1007 |  |  |  |  | 2600 | Appraisal - 1007 | No | 79.24 | 1.28 | 1.262 | 2060.21 | 2650 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31200 |  |  |  | 2600 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 44.21 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 532 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 10800 | Appraisal - 1007 |  |  |  |  | 10800 | Appraisal - 1007 | No | 92.11 | 1.086 | 1.086 | 9948.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 70000 |  |  |  | 10800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 33.22 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Tenant |
| 533 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 1775 | 1462.5 | Appraisal - 1007 |  |  |  |  | 1462.5 | Appraisal - 1007 | No | 103.92 | 1 | 0.962 | 1519.8 | 1775 | 09-30-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22500 |  |  |  | 1462.5 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 75.88 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 535 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  |  |  |  | 1750 | Appraisal - 1007 | No | 101.01 | 0.98 | 0.99 | 1767.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21000 |  |  |  | 1750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.26 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 537 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  |  |  |  | 2900 | Appraisal - 1007 | No | 78.26 | 1.09 | 1.278 | 2269.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 39.17 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 541 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2650 | Appraisal - 1007 |  |  |  |  | 2650 | Appraisal - 1007 | No | 127.39 | 0.78 | 0.785 | 3375.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41530 |  |  |  | 2650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.68 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 547 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3350 | Appraisal - 1007 |  |  |  |  | 3350 | Appraisal - 1007 | No | 79.73 | 1.25 | 1.254 | 2670.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 3350 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.02 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Tenant |
| 551 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  |  |  |  | 1750 | Appraisal - 1007 | No | 93.1 | 1.07 | 1.074 | 1629.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22120 |  |  |  | 1750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.01 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 555 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2700 | 2700 | Appraisal - 1007 |  |  |  |  | 2700 | Actual In Place Rent | No | 78.63 | 1.272 | 1.272 | 2123.04 | 2700 | 06-30-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 65832 |  |  |  | 2700 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 18.04 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Tenant |
| 561 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 87.26 | 1.146 | 1.146 | 2617.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36000 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.61 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 567 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3102.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 37.87 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 570 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3250 | Appraisal - 1025 |  |  |  |  | 3250 | Appraisal - 1025 | No | 44.11 | 2.267 | 2.267 | 1433.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 69500 |  |  |  | 3250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 302.24 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 576 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1300 | Appraisal - 1007 |  |  |  |  | 1300 | Actual In Place Rent | No | 64.82 | 1.52 | 1.543 | 842.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21600 |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.43 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Tenant |
| 578 | XX |  |  | XX | XX | 24 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2341.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48100 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 58.35 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 583 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 68.21 | 1.46 | 1.466 | 1568.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27600 |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 104.53 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 589 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1550 | 1600 | Appraisal - 1007 |  |  |  |  | 1550 | Actual In Place Rent | No | 77.38 | 1.29 | 1.292 | 1199.38 | 1550 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14392.56 |  |  |  | 1550 |  |  |  |  |  |  | No | No | 22 | 1 | 1 | N/A | 12.41 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 592 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1500 | 1500 | Appraisal - 1007 |  |  |  |  | 1500 | Actual In Place Rent | No | 67.01 | 1.49 | 1.492 | 1005.11 | 1500 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 5.4 | 1 | 1 | N/A | 73.79 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 593 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1025 |  |  |  |  | 2500 | Appraisal - 1025 | No | 59.87 | 1.67 | 1.67 | 1496.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17959.68 |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.16 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 596 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1200 | 1600 | Appraisal - 1007 |  |  |  |  | 1200 | Actual In Place Rent | No | 93.63 | 1.06 | 1.068 | 1123.57 | 1200 | 08-02-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21550 |  |  |  | 1200 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 135.18 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 597 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2023.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 49900 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.74 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 598 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2400 | Appraisal - 1007 |  |  |  |  | 2200 | Actual In Place Rent | No | 99.52 | 1 | 1.005 | 2189.42 | 2200 | 09-05-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41700 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 8.56 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 607 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1700 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Actual In Place Rent | No | 94.42 | 1.059 | 1.059 | 1605.07 | 1700 | 09-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37260 |  |  |  | 1700 |  |  |  |  |  |  | No | No | 5.3 | 1 | 1 | N/A | 60.19 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 616 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1150 | Appraisal - 1007 |  |  |  |  | 1150 | Appraisal - 1007 | No | 96.54 | 1.03 | 1.036 | 1110.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13300 |  |  |  | 1150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.77 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 622 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3358.33 | XX | 1 | 50.00% | 3358.33 | AirDNA | Yes | 77.75 | 1.28 | 1.286 | 2611.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4000 |  |  |  | 3358.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 54.91 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 624 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3967.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26100 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 102.69 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 626 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1500 | 1650 | Appraisal - 1007 |  |  |  |  | 1500 | Actual In Place Rent | No | 79.4 | 1.25 | 1.259 | 1191.02 | 1500 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21318 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 50.86 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 628 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4150 | Appraisal - 1007 |  |  |  |  | 4150 | Appraisal - 1007 | No | 116.04 | 0.86 | 0.862 | 4815.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37400 |  |  |  | 4150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.55 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 629 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 7775 | Short Term Rental | 6491.67 | XX | 12 | 77.00% | 6491.67 | AirDNA | Yes | 46.61 | 2.146 | 2.146 | 3025.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38950.02 |  |  |  | 6491.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 57.71 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 634 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 3425 | 3500 | Appraisal - 1025 |  |  |  |  | 3425 | Actual In Place Rent | No | 86.2 | 1.14 | 1.16 | 2952.4 | 1800 | 06-30-2026 | 12 | 1625 | 11-13-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 79860 |  |  |  | 3425 |  |  |  |  |  |  | No | No | 3.1 | 1 | 1 | N/A | 12.24 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 636 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2150 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Appraisal - 1007 | No | 76.33 | 1.2 | 1.31 | 1450.27 | 2150 | 11-19-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25300 |  |  |  | 1900 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 117.12 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 638 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 5000 | 5700 | Appraisal - 1025 |  |  |  |  | 5000 | Actual In Place Rent | No | 71.65 | 1.39 | 1.396 | 3582.41 | 2900 | 06-30-2026 | 12 | 2100 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 5000 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 106.95 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 643 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 5284 | Appraisal - 1025 |  |  |  |  | 5284 | Appraisal - 1025 | No | 89.46 | 1.118 | 1.118 | 4727.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 63300 |  |  |  | 5284 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.11 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 644 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  |  |  |  | 2600 | Appraisal - 1007 | No | 110.41 | 0.9 | 0.906 | 2870.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34449 |  |  |  | 2600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 645 | XX |  |  | XX | XX | 24 Month Bank Statement | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 14211.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22990 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 315.44 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 646 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3034.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7800 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 52.37 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 651 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 6900 | Appraisal - 1025 |  |  |  |  | 6900 | Appraisal - 1025 | No | 75.3 | 1.02 | 1.328 | 5195.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 62349 |  |  |  | 6900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.93 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XX | Tenant |
| 654 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2850 | Appraisal - 1007 |  |  |  |  | 2850 | Appraisal - 1007 | No | 99.06 | 1.01 | 1.01 | 2823.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32317.68 |  |  |  | 2850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 65.82 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 655 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 4800 | Appraisal - 1025 |  |  |  |  | 4800 | Appraisal - 1025 | No | 83.64 | 1.16 | 1.196 | 4014.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 91000 |  |  |  | 4800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.82 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Tenant |
| 658 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2500 | Appraisal - 1007 |  |  |  |  | 2500 | Appraisal - 1007 | No | 99.99 | 1 | 1 | 2499.81 | 2500 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29997.72 |  |  |  | 2500 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 14.61 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 659 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1780 | 2400 | Appraisal - 1025 |  |  |  |  | 1780 | Actual In Place Rent | No | 95.04 | 1.05 | 1.052 | 1691.64 | 795 | 02-01-2026 | 12 | 985 | 09-08-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26600 |  |  |  | 1780 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 135.96 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 660 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4058.33 | XX | 12 | 57.00% | 4058.33 | AirDNA | Yes | 72.81 | 1.34 | 1.373 | 2954.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6000 |  |  |  | 4058.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.52 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 663 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Short Term Rental | 5258.33 | XX | 12 | 68.00% | 5258.33 | AirDNA | Yes | 75.08 | 1.28 | 1.332 | 3947.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  | 5258.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.99 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 669 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1025 |  |  |  |  | 2800 | Appraisal - 1025 | No | 57.01 | 1.75 | 1.754 | 1596.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19148.4 |  |  |  | 2800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 89.25 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 676 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2050 | 2050 | Appraisal - 1007 |  |  |  |  | 2050 | Appraisal - 1007 | No | 82.9 | 1.205 | 1.206 | 1699.48 | 2050 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24600 |  |  |  | 2050 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 12.45 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 683 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1550 | Appraisal - 1007 |  |  |  |  | 1550 | Appraisal - 1007 | No | 86.79 | 1.13 | 1.152 | 1345.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16143.12 |  |  |  | 1550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 36.71 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Vacant |
| 687 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2450 | 2600 | Appraisal - 1007 |  |  |  |  | 2450 | Actual In Place Rent | No | 158.67 | 0.63 | 0.63 | 3887.44 | 2450 | 11-17-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29400 |  |  |  | 2450 |  |  |  |  |  |  | No | No | 10.7 | 1 | 1 | N/A | 116.93 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 692 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6705.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 38.1 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 693 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1025 |  |  |  |  | 3200 | Appraisal - 1025 | No | 79.43 | 1.21 | 1.259 | 2541.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42800 |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.55 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 695 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1975 | Appraisal - 1007 |  |  |  |  | 1975 | Appraisal - 1007 | No | 133.78 | 0.74 | 0.748 | 2642.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6000 |  |  |  | 1975 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 42.37 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 706 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1415 | 1955 | Appraisal - 1007 |  |  |  |  | 1415 | Actual In Place Rent | No | 89.09 | 1.12 | 1.122 | 1260.69 | 1415 | 01-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15128.28 |  |  |  | 1415 |  |  |  |  |  |  | No | No | 5.1 | 1 | 1 | N/A | 58.24 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 708 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2078.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 30.04 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 709 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal - 1007 |  |  |  |  | 3900 | Appraisal - 1007 | No | 78.78 | 1.269 | 1.269 | 3072.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 71660 |  |  |  | 3900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 49.35 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Tenant |
| 711 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1800 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Actual In Place Rent | No | 94.11 | 1.063 | 1.063 | 1693.96 | 1800 | 11-24-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21600 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 3.5 | 1 | 1 | N/A | 84.3 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 712 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3590.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.57 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 713 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3731.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 721 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 5937.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38800 |  |  |  |  |  |  |  |  |  |  |  | No | 1.5 | 2 | 1 | N/A | 9.7 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 725 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4316.66 | XX | 12 | 46.00% | 4316.66 | AirDNA | Yes | 67.38 | 1.48 | 1.484 | 2908.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 165000 |  |  |  | 4316.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.69 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 729 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2400 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 73.12 | 1.368 | 1.368 | 1754.91 | 2400 | 06-30-2026 | 12 | 0 | 06-30-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31700 |  |  |  | 2400 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 24.88 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 733 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 1550 | 2200 | Appraisal - 1007 |  |  |  |  | 1550 | Actual In Place Rent | No | 124.94 | 0.81 | 0.8 | 1936.54 | 1550 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22930.44 |  |  |  | 1550 |  |  |  |  |  |  | No | No | 23.5 | 1 | 1 | N/A | 53.13 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 740 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 126.98 | 0.788 | 0.788 | 3809.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 79500 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 1014.49 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Vacant |
| 741 | XX |  |  | XX | XX | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4752.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 183800 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.29 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 742 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Short Term Rental | 9041.66 | XX | 12 | 46.00% | 9041.66 | AirDNA | Yes | 86.28 | 1.15 | 1.159 | 7800.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 91389.84 |  |  |  | 9041.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 241.55 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 743 | XX |  |  | XX | XX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5708.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 5.12 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 746 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  |  |  |  | 3200 | Appraisal - 1007 | No | 46.89 | 2.133 | 2.133 | 1500.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.71 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Vacant |
| 747 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4100 | 4900 | Appraisal - 1025 |  |  |  |  | 4100 | Actual In Place Rent | No | 57.91 | 1.727 | 1.727 | 2374.39 | 1200 | 11-03-2025 | 1 | 950 | 11-03-2025 | 1 | 1000 | 11-03-2025 | 1 | 950 | 11-03-2025 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 49200 |  |  |  | 4100 |  |  |  |  |  |  | No | No | 5 | 1 | 1 | N/A | 21.52 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Tenant |
| 749 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  |  |  |  | 1500 | Appraisal - 1007 | No | 78.17 | 1.279 | 1.279 | 1172.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8500 |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 81.45 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 751 | XX |  |  | XX | XX | Asset Depletion – Debt Ratio Calculation | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 3471.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 2045.4 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 753 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1025 |  |  |  |  | 3200 | Appraisal - 1025 | No | 65.59 | 1.52 | 1.525 | 2098.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 68400 |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 38.25 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 754 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  |  |  |  | 2900 | Appraisal - 1007 | No | 113.66 | 0.87 | 0.88 | 3296.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 57500 |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 38.93 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 767 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4200 | Appraisal - 1025 |  |  |  |  | 4200 | Appraisal - 1025 | No | 85.54 | 1.16 | 1.169 | 3592.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 62000 |  |  |  | 4200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.41 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 768 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 97.98 | 1.02 | 1.021 | 1959.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24635.88 |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 45.71 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 772 | XX |  |  | XX | XX | 12 Month Bank Statement | Present | Yes |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4136.76 | 4350 | 05-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 9.44 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 773 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1025 |  |  |  |  | 3800 | Appraisal - 1025 | No | 72.34 | 1.38 | 1.382 | 2749.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38000 |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.19 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Owner |
| 777 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3905 | Appraisal - 1025 |  |  |  |  | 3905 | Appraisal - 1025 | No | 83.54 | 1.19 | 1.197 | 3262.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 |  |  |  | 3905 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 17.05 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 781 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 2045 | 2050 | Appraisal - 1007 |  |  |  |  | 2045 | Actual In Place Rent | No | 84.93 | 1.17 | 1.177 | 1736.85 | 2045 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20884.68 |  |  |  | 2045 |  |  |  |  |  |  | No | No | 2 | 1 | 1 | N/A | 22.54 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Tenant |
| 782 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | Yes | 4600 | 4700 | Appraisal - 1007 |  |  |  |  | 4600 | Actual In Place Rent | No | 107.67 | 0.94 | 0.929 | 4953.03 | 4600 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 64770 |  |  |  | 4600 |  |  |  |  |  |  | No | No | 2.7 | 1 | 1 | N/A | 15.48 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 788 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  |  |  |  | 3300 | Appraisal - 1007 | No | 90.4 | 1.14 | 1.106 | 2983.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21150 |  |  |  | 3300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.6 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Owner |
| 789 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 4208.33 | Appraisal - 1007 |  |  |  |  | 4208.33 | Appraisal - 1007 | No | 122.45 | 0.817 | 0.817 | 5153.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50500 |  |  |  | 4208.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 107.97 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Owner |
| 794 | XX |  |  | XX | XX | Debt Service Coverage Ratio | Present | No | 0 | 7612 | Appraisal - 1007 |  |  |  |  | 7612 | Appraisal - 1007 | No | 56.55 | 1.76 | 1.768 | 4304.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43557.84 |  |  |  | 7612 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 59.39 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| 2 | XX | XX |  |  | Closed | 2025-11-26 09:05 | 2025-12-22 12:58 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-Received Borrower ack/waiver doc. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. File is missing evidence of the appraisal being provided to the Borrower after the 9/XX/2025 date the appraiser signed the appraisal report. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received Borrower ack/waiver doc. Condition cleared. - Due Diligence Vendor-12/22/2025<br>| XX |  |  | NJ | Investment | Purchase | NA | 6399496 | N/A | N/A |
| 5 | XX | XX |  |  | Closed | 2025-10-31 09:40 | 2025-12-19 14:16 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Evidence of Good Standing received. Finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Evidence of Good Standing in file is dated 12-XX-2025 and note is dated 08-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Note - in Ohio, a certificate of good standing is also referred to as a full force and effect certificate - Buyer-12/XX/2025 <br>Open-Evidence of Good Standing in file is dated 12-XX-2024 and note is dated 08-XX-2025. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated 12-XX-2024 and note is dated 08-XX-2025. Document age of days exceeds guidelines. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Evidence of Good Standing received. Finding resolved. - Due Diligence Vendor-12/19/2025 <br>Resolved-Evidence of Good Standing in file is dated 12-XX-2025 and note is dated 08-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-12/19/2025<br>| XX |  |  | OH | Investment | Refinance | Cash Out - Other | 6082059 | N/A | N/A |
| 7 | XX | XX |  |  | Closed | 2025-10-30 12:14 | 2025-12-05 14:36 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Secondary valuation received, finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. Guidelines require either a CDA, ARR, or CCA as a secondary valuation to the appraisal. Loan file does not contain one of these reports. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Secondary valuation received, finding resolved. - Due Diligence Vendor-12/05/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/05/2025<br>| XX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6071378 | N/A | N/A |
| 8 | XX | XX |  |  | Closed | 2025-09-24 08:49 | 2026-02-02 10:38 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. - Due Diligence Vendor-02/XX/2026 <br>Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. - Due Diligence Vendor-02/02/2026 <br>Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/24/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5650926 | Investor Post-Close | No |
| 8 | XX | XX |  |  | Closed | 2025-09-24 08:25 | 2025-12-04 15:44 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender confirmed closed on Saturday. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Please reconsider based on following counter response: Loan is in compliance. Application was submitted on XXXX, and lender has 3 business days to send initial disclosures. Saturday is not included as business day since not open, so XXXX, XXXX and XXXX would be the 3 days and disclosures were sent 07.01 >. Please escalate this matter to waive the findings. Thanks, - Investor-12/XX/2025 <br> Counter-The initial 1003 is dated 06/XX/2025 and the compliance report in file reflects an application date of 06/XX/2025. Condition maintained. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Per lender - Our application date is XXXX and provided to borrower within 3 days. We did not have application or timeline from June for this loan. - Investor-10/XX/2025 <br> Open-The Initial Disclosure Date (2025-XX-01) is more than 3 business days from the Application Date (2025-XX-26). Three business days from the Application Date is (2025-XX-30). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender confirmed closed on Saturday. Condition cleared. - Due Diligence Vendor-12/04/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/04/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5650515 | N/A | N/A |
| 8 | XX | XX |  |  | Closed | 2025-09-24 08:25 | 2025-12-04 15:44 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Lender confirmed closed on Saturday. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Please reconsider based on following counter response: Loan is in compliance. Application was submitted on XXXX, and lender has 3 business days to send initial disclosures. Saturday is not included as business day since not open, so XXXX and XXXX would be the 3 days and disclosures were sent XXXX >. Please escalate this matter to waive the findings. Thanks, - Buyer-12/XX/2025 <br> Counter-The initial 1003 is dated 06/XX/2025 and the compliance report in file reflects an application date of 06/XX/2025. Condition maintained. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Per lender - Our application date is XXXX and provided to borrower within 3 days. We did not have application or timeline from June for this loan. - Seller-10/XX/2025 <br> Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-01) is more than 3 business days from the Application Date (2025-XX-26). Three business days from the Application Date is (2025-XX-30). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 | Ready for Review-Per lender - Our application date is 7/1 and provided to borrower within 3 days. We did not have application or timeline from June for this loan. - Seller-10/27/2025<br>| Resolved-Lender confirmed closed on Saturday. Condition cleared. - Due Diligence Vendor-12/04/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/04/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5650514 | N/A | N/A |
| 13 | XX | XX |  |  | Closed | 2025-11-17 12:03 | 2026-02-02 12:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Ready for Review-Received printout from IRS.gov reflecting EIN for Entity. Finding Resolved. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-11/XX/2025 |  |  | XX |  |  | OH | Investment | Refinance | Cash Out - Other | 6275994 | N/A | N/A |
| 14 | XX | XX |  |  | Closed | 2025-11-19 15:22 | 2025-11-19 15:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/19/2025<br>|  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 6312098 | Investor Post-Close | No |
| 19 | XX | XX |  |  | Closed | 2025-11-17 15:05 | 2025-12-04 13:50 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation provided reflects account is in the name of an entity and borrower is not personally liable for the debt. Finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOM/12 months housing history missing for subject property. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Documentation provided reflects account is in the name of an entity and borrower is not personally liable for the debt. Finding resolved. - Due Diligence Vendor-12/04/2025 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-12/04/2025<br>| XX |  |  | TX | Investment | Refinance | Cash Out - Other | 6279958 | N/A | N/A |
| 25 | XX | XX |  |  | Closed | 2025-10-08 14:35 | 2026-01-31 05:11 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-CDA received, finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Lender's Reponse - Value is lower but within 10%. - Buyer-12/XX/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-10/XX/2025 |  | Resolved-CDA received, finding resolved. - Due Diligence Vendor-12/16/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/16/2025<br>| XX |  |  | UT | Investment | Refinance | No Cash Out - Borrower Initiated | 5826467 | N/A | N/A |
| 27 | XX | XX |  |  | Closed | 2025-11-26 15:07 | 2026-01-30 15:45 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing B1 VVOE within 20 days of Note date. - Due Diligence Vendor-11/XX/2025 |  | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/16/2025<br>| XX |  |  | AZ | Primary Residence | Purchase | NA | 6408500 | N/A | N/A |
| 27 | XX | XX |  |  | Closed | 2025-11-26 15:02 | 2025-12-16 14:11 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification must be within 20 days of Note date. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/16/2025<br>| XX |  |  | AZ | Primary Residence | Purchase | NA | 6408429 | N/A | N/A |
| 31 | XX | XX |  |  | Closed | 2025-11-18 13:41 | 2025-12-15 08:05 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Primary Residence | Resolved-Received HOA verification. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Counter-Lender references online verification; however, this documentation was not found. Finding remains. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Response from underwriter - See online verification of $300 monthly HOA fee; slightly higher fee of $336 included in qualifying and DTI only. Request made to cure finding. - Buyer-12/XX/2025 <br>Open-Missing Evidence of HOA Dues for Primary Residence - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received HOA verification. Condition cleared. - Due Diligence Vendor-12/15/2025<br>| XX |  |  | VA | Investment | Refinance | Cash Out - Other | 6293627 | N/A | N/A |
| 33 | XX | XX |  |  | Closed | 2025-11-19 16:03 | 2025-11-19 16:35 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-11/XX/2025 |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-11/19/2025<br>|  |  |  | FL | Investment | Purchase | NA | 6312852 | Originator Pre-Close | Yes |
| 35 | XX | XX |  |  | Closed | 2025-11-17 08:17 | 2026-02-02 20:56 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is 10-XX-2029 and note is dated 10-XX-2025. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Borrower photo ID expiration date is 10-XX-2025 and note is dated 10-XX-2025. Provide a legible copy of the front & back of the renewal driver's license. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Borrower photo ID expiration date is 10-XX-2029 and note is dated 10-XX-2025. - Due Diligence Vendor-12/18/2025<br>| XX |  |  | NJ | Primary Residence | Purchase | NA | 6270394 | N/A | N/A |
| 43 | XX | XX |  |  | Closed | 2025-11-18 08:08 | 2025-11-18 08:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/18/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6287169 | Investor Post-Close | No |
| 43 | XX | XX |  |  | Seller | 2025-11-18 08:08 | 2026-02-02 13:03 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Counter-Missing evidence the borrower received the updated appraisal signed by the Appraiser 09/XX/2025. - Due Diligence Vendor-02/XX/2026 <br>Counter-Borrower was provided the appraisal signed by the Appraiser on 09/XX/2025. Missing evidence the borrower received the updated appraisal signed by the Appraiser 09/XX/2025. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-XXXX's response: The Appraisal was completed on 9/XX/2025, However, it was not signed by the Appraiser until 9/XX/25. Would it be acceptable for the unsigned appraisal to be the sent to the borrower? - Buyer-12/XX/2025 <br>Counter-The final appraisal is dated 09/XX/2025; however, the appraisal was delivered on 09/XX/2025. Please provide evidence the borrower received a copy of the final appraisal dated 09/XX/2025. Condition maintained. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Most Recent Primary Appraisal Date of 09/XX/2025 (date appraiser signed the report) is after the Primary Appraisal Delivery Date of 09/XX/205. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/XX/2025 |  |  | XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6287170 | N/A | N/A |
| 44 | XX | XX |  |  | Seller | 2025-11-17 07:32 | 2026-01-08 16:30 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Counter-Document provided for review is not legible; condition remains. - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 10/XX/2025 is after the Primary Appraisal Delivery Date of 09/XX/2025. - Due Diligence Vendor-11/XX/2025 |  |  | XX |  |  | VA | Primary Residence | Purchase | NA | 6269756 | N/A | N/A |
| 48 | XX | XX |  |  | Closed | 2025-11-19 12:57 | 2025-11-19 12:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/19/2025<br>|  |  |  | WI | Second Home | Refinance | No Cash Out - Borrower Initiated | 6309157 | Investor Post-Close | No |
| 49 | XX | XX |  |  | Closed | 2025-11-15 07:46 | 2025-12-11 09:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Received Franchise Tax Account Status from State as of 12/XX/2025 reporting the business as active. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-12/11/2025<br>| XX |  |  | TX | Investment | Purchase | NA | 6263399 | N/A | N/A |
| 50 | XX | XX |  |  | Closed | 2025-12-15 11:28 | 2025-12-15 11:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-12/15/2025<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6626982 | Investor Post-Close | No |
| 51 | XX | XX |  |  | Closed | 2025-11-19 15:10 | 2025-12-16 16:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing 3rd Party Verbal Verification of Employment (Borrower 2) | Resolved-Received 3rd party verif. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Missing 3rd Party Verbal Verification of Employment dated within 20 days prior to the Note date for Borrower 2's business. CPA letter is 24 days prior to Note date. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received 3rd party verif. Condition cleared. - Due Diligence Vendor-12/16/2025<br>| XX |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 6311955 | N/A | N/A |
| 56 | XX | XX |  |  | Closed | 2025-11-20 11:10 | 2025-12-01 13:07 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-Lender provided evidence the most recent appraisal was provided to the borrower. Condition maintained. - Due Diligence Vendor-12/XX/2025 <br>Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. File is missing evidence of delivery of appraisal to borrower after the appraisal was signed on 9-XX-2025 and at least 3 business prior to closing. File does not reflect borrower waiving right to receive appraisal at least 3 business days prior to closing. This finding is non-material and will be rated an EV2. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided evidence the most recent appraisal was provided to the borrower. Condition maintained. - Due Diligence Vendor-12/01/2025 <br>Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | ID | Investment | Purchase | NA | 6323925 | N/A | N/A |
| 56 | XX | XX |  |  | Closed | 2025-11-20 10:37 | 2025-11-20 10:37 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/20/2025<br>|  |  |  | ID | Investment | Purchase | NA | 6323282 | Investor Post-Close | No |
| 62 | XX | XX |  |  | Closed | 2025-11-21 08:07 | 2025-12-04 13:34 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Updated evidence of good standing received. Finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Evidence of Good Standing in file is dated 12-XX-2025 and note is dated 10-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Evidence of Good Standing in file is dated 02-XX-2025 and note is dated 10-XX-2025. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated 02-XX-2025 and note is dated 10-XX-2025. Document age of 232 days exceeds guidelines. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Updated evidence of good standing received. Finding resolved. - Due Diligence Vendor-12/04/2025 <br>Resolved-Evidence of Good Standing in file is dated 12-XX-2025 and note is dated 10-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-12/04/2025<br>| XX |  |  | VA | Investment | Purchase | NA | 6338776 | N/A | N/A |
| 64 | XX | XX |  |  | Closed | 2025-12-03 07:09 | 2026-02-02 12:58 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Acknowledged-Finding Acknowledged - Due Diligence Vendor-02/XX/2026 <br>Open-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. FACTA disclosure for Borrower 1 and Borrower 2 is missing from the loan file. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-Finding Acknowledged - Due Diligence Vendor-02/02/2026<br>|  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 6461188 | Originator Post-Close | No |
| 64 | XX | XX |  |  | Closed | 2025-12-03 09:01 | 2025-12-22 13:19 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Received email confirmation exception acceptable. - Due Diligence Vendor-12/XX/2025 <br> Open-Property type is ineligible due to Land area > XXXX acres.. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br> Open-Property type is ineligible due to Land area > XXXX acres.. Subject property contains xx acres, exceeding the guideline maximum of XXXX acres. Lender provided approved exception dated prior to consummation, but one of the compensating factors was not valid. Lender used available assets for reserves of $113,186.98 as a compensating factor. File only documented available assets for reserves of $111,828.27 (cash back on Closing Disclosure of $61,710.59 and 75% of the ending balance on the business bank account from the business used for qualification of $50,117.68 = $111,828.27). - Due Diligence Vendor-12/XX/2025 |  | Waived-Received email confirmation exception acceptable. - Due Diligence Vendor-12/22/2025<br>| XX |  | 37 months reserves ($113,186.98)<br> 29.63% LTV<br> 796 FICO<br> No lates on credit report. | NC | Primary Residence | Refinance | Cash Out - Other | 6463063 | Originator Pre-Close | Yes |
| 64 | XX | XX |  |  | Closed | 2025-12-03 08:34 | 2025-12-03 08:34 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/03/2025<br>|  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 6462433 | Investor Post-Close | No |
| 65 | XX | XX |  |  | Closed | 2025-12-10 04:19 | 2025-12-24 12:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-12/XX/2025 <br>Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-12/24/2025 <br>Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-12/24/2025<br>|  |  |  | MA | Second Home | Refinance | No Cash Out - Borrower Initiated | 6561635 | N/A | N/A |
| 65 | XX | XX |  |  | Closed | 2025-12-10 04:19 | 2025-12-24 12:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-12/24/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/24/2025<br>| XX |  |  | MA | Second Home | Refinance | No Cash Out - Borrower Initiated | 6561634 | N/A | N/A |
| 67 | XX | XX |  |  | Closed | 2025-12-11 07:27 | 2026-02-02 21:16 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-Finding Acknowledged - Due Diligence Vendor-02/XX/2026 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-Finding Acknowledged - Due Diligence Vendor-02/03/2026<br>|  |  |  | NH | Primary Residence | Refinance | Cash Out - Other | 6581354 | Investor Post-Close | No |
| 67 | XX | XX |  |  | Closed | 2025-12-11 07:14 | 2025-12-11 07:14 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to As per the GL Max allowable acreage is XXXX acres. Subject property is xx acres. This is a resubmission of prior ,exception request XX on 9/XX/2025. Loan was restructured with lower LTV and cost approach completed on appraisal.. As per the GL Max allowable acreage is XXXX acres. Subject property is xx acres. This is a resubmission of prior exception request XX on 9/XX/2025. Loan was restructured with lower LTV and cost approach completed on appraisal. - Due Diligence Vendor-12/XX/2025 |  | Waived-Property type is ineligible due to As per the GL Max allowable acreage is 20 acres. Subject property is XX acres. This is a resubmission of prior ,exception request XX on 9/25/2025. Loan was restructured with lower LTV and cost approach completed on appraisal.. As per the GL Max allowable acreage is 20 acres. Subject property is XX acres. This is a resubmission of prior exception request XX on 9/25/2025. Loan was restructured with lower LTV and cost approach completed on appraisal. - Due Diligence Vendor-12/11/2025 |  |  | Reserves Required: 3 mos ($15,590.70) Actual Reserves: 22 mos ($106,000.) <br> Minimum FICO: 700 Actual FICO: 712 <br> Max DTI: 50% Actual DTI: 40.61% <br> Maximum LTV: 80% Actual LTV: 69.12% <br> Subject mortgage rated for 6 months. Prior mortgage rated for 64 months. No lates on either. Not a single late payment on credit report. | NH | Primary Residence | Refinance | Cash Out - Other | 6581234 | Originator Pre-Close | Yes |
| 69 | XX | XX |  |  | Closed | 2025-11-21 12:30 | 2025-11-21 12:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2025<br>|  |  |  | SC | Investment | Purchase | NA | 6345050 | Investor Post-Close | No |
| 89 | XX | XX |  |  | Closed | 2025-12-05 09:53 | 2025-12-05 09:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/05/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 6503492 | Investor Post-Close | No |
| 122 | XX | XX |  |  | Seller | 2025-11-18 08:21 | 2025-12-15 08:02 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Counter-Yes, it is acceptable, however once the signed copy was received, it should have been sent to the borrower. Condition remains. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-XXXX's response: Appraisal was dated 09/XX/2025 however it was not signed by the Appraiser until 10/XX/2025. Can we go back see if it's acceptable for the unsigned appraisal to be sent to the borrower? - Buyer-12/XX/2025 <br>Counter-The final appraisal was completed on 10/XX/2025; however, missing evidence this appraisal was provided to the borrower. There is only evidence an appraisal was provided to the borrower on 09/XX/2025. Condition maintained. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 10/XX/2025 is after the Primary Appraisal Delivery Date of 09/XX/2025. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/XX/2025 |  |  | XX |  |  | CA | Investment | Purchase | NA | 6287434 | N/A | N/A |
| 129 | XX | XX |  |  | Closed | 2025-12-04 12:39 | 2025-12-05 08:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/04/2025<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6489181 | Originator Pre-Close | Yes |
| 132 | XX | XX |  |  | Closed | 2025-11-18 08:47 | 2025-11-24 15:13 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-Lender provided evidence of appraisal delivery. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. no evidence appraisal was provided to applicant. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided evidence of appraisal delivery. Condition cleared. - Due Diligence Vendor-11/24/2025 <br>Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-11/24/2025<br>| XX |  |  | NJ | Second Home | Purchase | NA | 6287990 | N/A | N/A |
| 153 | XX | XX |  |  | Closed | 2025-11-21 08:30 | 2025-11-21 08:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/21/2025<br>|  |  |  | TN | Primary Residence | Purchase | NA | 6339098 | Investor Post-Close | No |
| 171 | XX | XX |  |  | Closed | 2025-12-04 14:22 | 2025-12-19 11:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-Rent Loss Coverage provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Hazard Insurance Policy does not reflect rent loss coverage. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Rent Loss Coverage provided - Due Diligence Vendor-12/19/2025<br>| XX |  |  | IL | Investment | Purchase | NA | 6491801 | N/A | N/A |
| 172 | XX | XX |  |  | Closed | 2025-11-26 15:07 | 2025-12-16 14:41 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 11/XX/2025 is after the Primary Appraisal Delivery Date of 10/XX/2025. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/XX/2025 |  | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-12/16/2025<br>| XX |  |  | SC | Investment | Purchase | NA | 6408491 | N/A | N/A |
| 221 | XX | XX |  |  | Closed | 2025-12-17 06:48 | 2025-12-31 15:30 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided rate lock agreement, finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Missing evidence of rate lock - Due Diligence Vendor-12/XX/2025 |  | Resolved-Lender provided rate lock agreement, finding resolved. - Due Diligence Vendor-12/31/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 6658880 | N/A | N/A |
| 229 | XX | XX |  |  | Closed | 2025-12-17 07:48 | 2025-12-29 14:15 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Lock-In Agreement signed by borrower stating borrower did not agree to pay a Lock-in Fee. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Rate lock document is missing - Due Diligence Vendor-12/XX/2025 |  | Resolved-Received Lock-In Agreement signed by borrower stating borrower did not agree to pay a Lock-in Fee. Finding Resolved. - Due Diligence Vendor-12/29/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 6659568 | N/A | N/A |
| 259 | XX | XX |  |  | Closed | 2025-12-18 23:57 | 2025-12-31 14:23 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. digital WVOE in the file showing 2024 income. - Buyer-12/XX/2025 <br>Open-Borrower 2 W2/1099 Missing Provide a copy of B2 2024 W2. B2 2024 W2 is not legible. Appears to be a corrupt document. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/31/2025<br>| XX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 6699421 | N/A | N/A |
| 265 | XX | XX |  |  | Closed | 2025-11-25 06:59 | 2025-12-01 15:25 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Rescission Tolerance | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved- - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Final CD - Investor-12/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open-The disclosed Total of Payments ($0.00) is understated by more than the greater of $100 or 1/2 of 1% of the note amount when compared to the actual Total of Payments of ($1,090,992.10). The difference is ($1,090,992.10). For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than 1/2 of 1 percent of the face amount of the note ($2,437.50) or $100, whichever is greater. (12 CFR 1026.23(g)(1)(ii)) Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6379419 | N/A | N/A |
| 265 | XX | XX |  |  | Closed | 2025-11-25 06:59 | 2025-12-01 15:25 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved- - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Final CD - Investor-12/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open-You submitted a Last Closing Disclosure Received Date (2025-XX-04) earlier than the Last Closing Disclosure Date Issued (2025-XX-04). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6379420 | N/A | N/A |
| 265 | XX | XX |  |  | Closed | 2025-11-25 06:59 | 2025-12-01 15:25 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved- - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Final CD - Buyer-12/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open-The disclosed finance charge ($0.00) is ($602,425.10) below the actual finance charge($602,425.10). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6379421 | N/A | N/A |
| 265 | XX | XX |  |  | Closed | 2025-11-25 06:59 | 2025-12-01 15:25 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved- - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Final CD - Investor-12/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open-The disclosed Total of Payments ($0.00) is understated by more than $35 when compared to the actual Total of Payments of ($1,090,992.10). The difference is ($1,090,992.10). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6379422 | N/A | N/A |
| 265 | XX | XX |  |  | Closed | 2025-11-25 06:59 | 2025-12-01 15:25 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved- - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Final CD - Seller-12/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open-The disclosed Total of Payments ($0.00) is understated by more than $100 when compared to the actual Total of Payments ($1,090,992.10). The difference is ($1,090,992.10). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $100. (12 CFR 1026.38(o)(1)) Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. Final CD - Seller-12/01/2025<br>| Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6379423 | N/A | N/A |
| 265 | XX | XX |  |  | Closed | 2025-11-25 06:59 | 2025-12-01 15:25 | Resolved | 1 - Information | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved- - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Final CD - Seller-12/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open-The disclosed APR (0.0) is lower than the actual APR (6.434) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. Final CD - Seller-12/01/2025<br>| Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6379424 | N/A | N/A |
| 265 | XX | XX |  |  | Closed | 2025-11-25 06:50 | 2025-12-01 15:24 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Final CD - Buyer-12/XX/2025 <br>Open-TRID: Missing Final Closing Disclosure Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply - Due Diligence Vendor-11/XX/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/01/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6379317 | N/A | N/A |
| 266 | XX | XX |  |  | Closed | 2025-11-25 04:54 | 2025-12-02 11:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Required documentation received. - Due Diligence Vendor-12/XX/2025 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX. - Buyer-11/XX/2025 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing document to verify XXXX terms with balance of XXXX and payment of XXXX as reflected on final loan application. Credit report does not provide the terms of the lease. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Required documentation received. - Due Diligence Vendor-12/02/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/02/2025<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6378310 | N/A | N/A |
| 266 | XX | XX |  |  | Closed | 2025-11-25 04:54 | 2025-12-02 11:21 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Required documentation received. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX. - Buyer-11/XX/2025 <br> Open-Missing document to verify XXXX terms with balance of XXXX and payment of XXXX as reflected on final loan application. Credit report does not provide the terms of the lease. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Required documentation received. - Due Diligence Vendor-12/02/2025<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6378314 | N/A | N/A |
| 273 | XX | XX |  |  | Closed | 2025-12-02 05:52 | 2025-12-11 13:06 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Received initial disclosure package dated 10/XX/2025 e-signed on 12/XX/2025 which includes the "What Mortgage Applicants Need to Know" disclosure. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-12/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Disclosure provided. - Due Diligence Vendor-12/11/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6442099 | N/A | N/A |
| 273 | XX | XX |  |  | Closed | 2025-12-02 07:46 | 2025-12-02 07:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/02/2025<br>|  |  |  | NY | Primary Residence | Purchase | NA | 6443325 | Originator Post-Close | Yes |
| 275 | XX | XX |  |  | Closed | 2025-11-17 15:51 | 2025-11-17 15:51 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/17/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6280711 | Investor Post-Close | No |
| 288 | XX | XX |  |  | Closed | 2025-12-20 11:50 | 2025-12-20 11:50 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/20/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6723040 | Investor Post-Close | No |
| 290 | XX | XX |  |  | Closed | 2025-12-03 12:00 | 2025-12-09 14:50 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-12/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Disclosure provided. - Due Diligence Vendor-12/09/2025<br>| XX |  |  | NY | Investment | Purchase | NA | 6468826 | N/A | N/A |
| 297 | XX | XX |  |  | Closed | 2025-11-24 11:00 | 2025-11-24 11:00 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/24/2025<br>|  |  |  | AL | Primary Residence | Purchase | NA | 6366301 | Investor Post-Close | No |
| 302 | XX | XX |  |  | Closed | 2025-12-01 14:10 | 2025-12-01 14:10 | Waived | 2 - Non-Material | Property | Missing Doc | Missing Second Appraisal (Property) | Waived-The lender's guidelines requires two appraisals and the second appraisal was not provided. C/O refinance and appreciation is greater than 20% from the time of purchase of 10/2024 to appraisal dated 9/XX/2025. Lender provided an approved exception prior to consummation. No min/max parameters required. - Due Diligence Vendor-12/XX/2025 |  | Waived-The lender's guidelines requires two appraisals and the second appraisal was not provided. C/O refinance and appreciation is greater than 20% from the time of purchase of 10/2024 to appraisal dated 9/25/2025. Lender provided an approved exception prior to consummation. No min/max parameters required. - Due Diligence Vendor-12/01/2025<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 6434379 | Originator Pre-Close | Yes |
| 304 | XX | XX |  |  | Closed | 2025-11-25 07:06 | 2025-12-12 11:21 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of 11-XX-2025 is prior to or equal to the Note Date of 11-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Revised HOI - Buyer-12/XX/2025 <br>Open-Hazard Insurance Effective Date of 11-XX-2025 is after the Note Date of 11-XX-2025 - Due Diligence Vendor-11/XX/2025 |  | Resolved-Hazard Insurance Effective Date of 11-XX-2025 is prior to or equal to the Note Date of 11-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/12/2025<br>| XX |  |  | MI | Primary Residence | Purchase | NA | 6379494 | N/A | N/A |
| 306 | XX | XX |  |  | Closed | 2025-11-17 13:28 | 2025-12-16 08:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Received explanation. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-The loan was from a correspondent lender, who sent the LEs. They had the fee labeled as fulfullment fee. Newrez does not have fulfillment fee in our system, the fee is the same fee per our Closing Management Team. - Investor-12/XX/2025 <br> Counter-There are two LEs in the file dated 09/XX/2025. Please confirm whether both were provided to the borrower so we can establish a baseline. Note that one of the LEs is missing the heading at the top of the first page. Additionally, a Doc Prep Fee is not the same as a Fulfillment Fee and cannot not be accepted as the same fee, as they represent different services. Condition maintained. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached explanation from our operations team. - Buyer-12/XX/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Document Preparation Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). A doc prep fee was added without a valid COC. If a COC cannot be provided, a tolerance cure of $125 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received explanation. Condition cleared. - Due Diligence Vendor-12/16/2025<br>| XX |  |  | TX | Second Home | Purchase | NA | 6277919 | N/A | N/A |
| 306 | XX | XX |  |  | Closed | 2025-11-17 13:28 | 2025-12-16 08:24 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received explanation. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-The loan was from a correspondent lender, who sent the LEs. They had the fee labeled as fulfullment fee. Newrez does not have fulfillment fee in our system, the fee is the same fee per our Closing Management Team. - Investor-12/XX/2025 <br> Counter-There are two LEs in the file dated 09/XX/2025. Please confirm whether both were provided to the borrower so we can establish a baseline. Note that one of the LEs is missing the heading at the top of the first page. Additionally, a Doc Prep Fee is not the same as a Fulfillment Fee and cannot not be accepted as the same fee, as they represent different services. Condition maintained. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached explanation from our operations team. - Investor-12/XX/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: Document Preparation 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)). A doc prep fee was added without a valid COC. If a COC cannot be provided, a tolerance cure of $125 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received explanation. Condition cleared. - Due Diligence Vendor-12/16/2025<br>| XX |  |  | TX | Second Home | Purchase | NA | 6277921 | N/A | N/A |
| 306 | XX | XX |  |  | Closed | 2025-11-17 12:26 | 2025-12-02 15:06 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. see attached econsent - Investor-11/XX/2025 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided evidence of e-Consent. Condition cleared. - Due Diligence Vendor-11/24/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-11/24/2025<br>| XX |  |  | TX | Second Home | Purchase | NA | 6276507 | N/A | N/A |
| 316 | XX | XX |  |  | Closed | 2025-11-25 13:43 | 2025-12-26 15:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Received System screenprint of the Georgia Corporation Division search with date of 11/XX/2025. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached cert of good standing with date search completed (11-XX-25). - Investor-12/XX/2025 <br>Counter-Per guidelines, credit documentation must be no older than 90 days from the Note Date. The document provided does not reflect a date within 90 days of the Note date. Finding remains. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Attached document shows Active with last registration year of 2025. - Investor-12/XX/2025 <br>Counter-Missing document dated within 90 days of Note date. Per guidelines Age of Credit Documentation must be no older than 90 days for the Note Date. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-That form shows active with last annual registration year of 2025 - Investor-12/XX/2025 <br>Counter-Received Corporations Divisions print out for Business stating status is Active/Compliance, but there is no date to confirm when this was verified. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. good standings - Investor-12/XX/2025 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-12/26/2025<br>| XX |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 6388119 | N/A | N/A |
| 316 | XX | XX |  |  | Closed | 2025-12-01 16:52 | 2025-12-26 15:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/XX/2025 <br>Resolved-Received Business Purpose Affidavit signed by borrower. Finding Resolved - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. business purpose - Buyer-12/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/26/2025 <br>Resolved-Received Business Purpose Affidavit signed by borrower. Finding Resolved - Due Diligence Vendor-12/04/2025<br>| XX |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 6437421 | N/A | N/A |
| 317 | XX | XX |  |  | Closed | 2025-11-05 12:36 | 2026-02-02 15:41 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/XX/2025 <br> Resolved-XX- Due Diligence Vendor-11/XX/2025 <br> Resolved-Lender provided Final CD to support P&I. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached CD from property at xx.<br> - Buyer-11/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 1003 reflects a new loan on the XXXX property. Missing required supporting document for verifying mortgage amount <br> Missing source and verification of secure borrowed funds - Due Diligence Vendor-11/XX/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/17/2025 <br>Resolved-XX- Due Diligence Vendor-11/17/2025 <br>Resolved-Lender provided Final CD to support P&I. Finding Resolved. - Due Diligence Vendor-11/17/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6141068 | N/A | N/A |
| 317 | XX | XX |  |  | Closed | 2025-11-11 10:26 | 2026-01-31 08:00 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Sufficient assets verified to cover reserve requirement. - Due Diligence Vendor-12/XX/2025 <br> Resolved-Audited Reserves of 4.75 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-UW manager response: Hello, the reserves for other REO are not based on the PITIA of the subject. Please escalate as this suspense item is inaccurate and the reserve requirement per our guidelines and our worksheet is met. <br>Email sent to XXXX to escalate. - Investor-11/XX/2025 <br> Counter-Per Lender Guidelines the reserve requirement is based on the subject property PITIA. The Asset Worksheet provided for review uses the Additional REO's PITIA to calculate reserves, which does not meet the requirement of the Lender Guidelines; condition remains. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. UW advised assets are not short, please see attached asset worksheet. - Investor-11/XX/2025 <br> Counter-Lender provided final executed CD with evidence of $187,219 in secured assets. 4.75 months of assets verified, 5 months required. Fining remains. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached final CD for loan at XXXX XXXX XXXX. - Investor-11/XX/2025 <br> Open-Audited Reserves of 4.55 month(s) are less than Guideline Required Reserves of 5 month(s) reserves required of 3 months for the subject property plus an additional 2 months for the financed REO located in XXXX. Additional conditions may apply upon receipt of the verification of the new loan for XXXX disclosed on the 1003 - Due Diligence Vendor-11/XX/2025 |  | Resolved-Sufficient assets verified to cover reserve requirement. - Due Diligence Vendor-12/02/2025 <br>Resolved-Audited Reserves of 4.75 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-12/02/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6209106 | N/A | N/A |
| 317 | XX | XX |  |  | Closed | 2025-11-11 10:14 | 2025-12-02 10:05 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Sufficient assets verified to cover reserve requirement. - Due Diligence Vendor-12/XX/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $27717.43 is equal to or greater than Total Required Reserve Amount of $22175.47 - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-UW manager response: Reserve requirement met, other REO reserves are based off of other REO, not subject property per our guidelines and our worksheet.<br>Email also sent to XXXX to escalate. - Buyer-11/XX/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $27717.43 is less than Total Required Reserve Amount of $29192.45 - Due Diligence Vendor-11/XX/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $27717.43 is equal to or greater than Total Required Reserve Amount of $17515.47 - Due Diligence Vendor-11/XX/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $27717.43 is equal to or greater than Total Required Reserve Amount of $11676.98 - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached CD from property at xx.<br> - Investor-11/XX/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $26588.43 is less than Total Required Reserve Amount of $29192.45 - Due Diligence Vendor-11/XX/2025 |  | Resolved-Sufficient assets verified to cover reserve requirement. - Due Diligence Vendor-12/02/2025 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $27717.43 is equal to or greater than Total Required Reserve Amount of $22175.47 - Due Diligence Vendor-12/02/2025 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $27717.43 is equal to or greater than Total Required Reserve Amount of $17515.47 - Due Diligence Vendor-11/17/2025 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $27717.43 is equal to or greater than Total Required Reserve Amount of $11676.98 - Due Diligence Vendor-11/17/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6208903 | N/A | N/A |
| 317 | XX | XX |  |  | Closed | 2025-11-11 10:14 | 2025-12-02 10:03 | Resolved | 1 - Information | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-11/XX/2025 <br> Resolved-Lender provided final executed CD with evidence of sufficient assets. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Please see attached CD from property at xx.<br> - Investor-11/XX/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements The loan file is missing evidence of source of funds for the Secured borrowed funds, additional conditions may apply upon receipt of the missing documentation - Due Diligence Vendor-11/XX/2025 |  | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-11/17/2025 <br>Resolved-Lender provided final executed CD with evidence of sufficient assets. Finding Resolved. - Due Diligence Vendor-11/17/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6208902 | N/A | N/A |
| 317 | XX | XX |  |  | Closed | 2025-11-05 12:31 | 2025-11-17 14:42 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided Final CD to support P&I. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached final CD for loan at xx. - Buyer-11/XX/2025 <br> Open-1003 reflects a new loan on the xx property. Required supporting document for verifying mortgage amount. Additional conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided Final CD to support P&I. Finding Resolved. - Due Diligence Vendor-11/17/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6140914 | N/A | N/A |
| 319 | XX | XX |  |  | Closed | 2025-11-19 10:43 | 2026-01-22 15:59 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached insurance policy. - Buyer-12/XX/2025 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-11/XX/2025 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/04/2025<br>| XX |  |  | OR | Second Home | Purchase | NA | 6305816 | N/A | N/A |
| 319 | XX | XX |  |  | Closed | 2025-11-23 14:03 | 2025-12-04 10:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Received evidence of insurance for property. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached insurance policy. - Buyer-12/XX/2025 <br>Open-Missing Evidence of Insurance for property REO #2 Section 3b on final application - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received evidence of insurance for property. Finding Resolved. - Due Diligence Vendor-12/04/2025<br>| XX |  |  | OR | Second Home | Purchase | NA | 6356596 | N/A | N/A |
| 324 | XX | XX |  |  | Closed | 2025-12-11 10:00 | 2025-12-19 10:37 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-XX- Due Diligence Vendor-12/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. icd 110625 - Buyer-12/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of (2025-XX-10) is not three business days before the consummation date of (2025-XX-10). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 |  | Resolved-XX- Due Diligence Vendor-12/19/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/19/2025<br>| XX |  |  | NJ | Second Home | Purchase | NA | 6584602 | N/A | N/A |
| 326 | XX | XX |  |  | Closed | 2025-11-25 07:22 | 2025-11-25 07:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/25/2025<br>|  |  |  | NC | Second Home | Refinance | No Cash Out - Borrower Initiated | 6379714 | Investor Post-Close | No |
| 327 | XX | XX |  |  | Closed | 2025-11-14 08:19 | 2025-12-02 09:29 | Resolved | 1 - Information | Credit | Missing Doc | HELOC Closure Letter Not Provided | Resolved-Required documentation received. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. loc - Buyer-11/XX/2025 <br>Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. The authorization to close out the HELOC was not signed by the borrower. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Required documentation received. - Due Diligence Vendor-12/02/2025<br>| XX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6251665 | N/A | N/A |
| 327 | XX | XX |  |  | Closed | 2025-11-14 08:16 | 2025-11-14 08:16 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2025<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6251632 | Investor Post-Close | No |
| 327 | XX | XX |  |  | Closed | 2025-11-05 04:49 | 2025-11-14 07:40 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 682 is less than Guideline FICO of 700 . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/XX/2025 |  | Waived-Audited FICO of 682 is less than Guideline FICO of 700 . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/05/2025<br>|  |  | DTI maximum 40%, LTV maximum 60%, Minimum reserves $90,000 | FL | Primary Residence | Refinance | Cash Out - Other | 6128912 | Originator Pre-Close | Yes |
| 329 | XX | XX |  |  | Closed | 2025-11-20 08:32 | 2025-11-25 13:30 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Mortgage provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. credit supp - Buyer-11/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing VOM for REO2. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Verification of Mortgage provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | KY | Investment | Refinance | No Cash Out - Borrower Initiated | 6319627 | N/A | N/A |
| 330 | XX | XX |  |  | Closed | 2025-11-19 05:08 | 2025-11-25 12:59 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. New York pamphlet and Initial Disclosure - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/25/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 6300415 | N/A | N/A |
| 331 | XX | XX |  |  | Closed | 2025-11-05 06:41 | 2025-12-04 10:32 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Missing | Resolved-Received letter from Closing Specialist at title company stating borrower put the incorrect date on the Application, that the actual signing took place on 10/XX/2025. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Per email from title the borrower signed the incorrect date on the 1003 - Investor-11/XX/2025 <br>Counter-The 1003 in the loan file is signed and dated 09/XX/2025; the Note Date is 10/XX/2025; Final 1003 is missing; condition remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Please review all signed docs from the borrower. The borrower just has a different way of writing a 9 - Investor-11/XX/2025 <br>Counter-Uploaded document is for a different borrower. Finding remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. 1003 signed the same date as the mortgage - Investor-11/XX/2025 <br>Open-The Final 1003 in file is signed by the borrower but contains the wrong date. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received letter from Closing Specialist at title company stating borrower put the incorrect date on the Application, that the actual signing took place on 10/24/2025. Finding Resolved. - Due Diligence Vendor-12/04/2025<br>| XX |  |  | WA | Investment | Refinance | No Cash Out - Borrower Initiated | 6129911 | N/A | N/A |
| 331 | XX | XX |  |  | Closed | 2025-11-12 09:49 | 2025-11-25 12:21 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Final Settlement Statement provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. executed FSS - Investor-11/XX/2025 <br>Counter-Settlement Statement provided is not signed or stamped certified. Finding remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. fss - Buyer-11/XX/2025 <br>Open-The final HUD/Settlement Statement is missing. The final CD in file is signed but the borrower but contains the wrong date. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Final Settlement Statement provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | WA | Investment | Refinance | No Cash Out - Borrower Initiated | 6223136 | N/A | N/A |
| 333 | XX | XX |  |  | Closed | 2025-12-01 10:31 | 2025-12-17 07:41 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report received, finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Fraud - Buyer-12/XX/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/XX/2025 |  | Resolved-Fraud report received, finding resolved. - Due Diligence Vendor-12/17/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/17/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 6429418 | N/A | N/A |
| 341 | XX | XX |  |  | Closed | 2025-12-26 17:20 | 2026-02-02 21:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Please advise what is needed for this one. - Buyer-12/XX/2025 <br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A - Due Diligence Vendor-02/03/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6820877 | Originator Pre-Close | No |
| 341 | XX | XX |  |  | Closed | 2025-12-26 17:22 | 2026-02-02 11:58 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached CDA. - Investor-12/XX/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Third Party valuation product to support the appraisal value within 10%. - Due Diligence Vendor-12/XX/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/31/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6820914 | N/A | N/A |
| 341 | XX | XX |  |  | Closed | 2025-12-21 17:12 | 2025-12-31 16:16 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached counseling list. - Buyer-12/XX/2025 <br>Open- - Due Diligence Vendor-12/XX/2025 <br>Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-12) is more than 3 business days from the Application Date (2025-XX-14). Three business days from the Application Date is (2025-XX-17). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-12/XX/2025 <br>Open- - Due Diligence Vendor-12/XX/2025 |  | Resolved-Resolved - Due Diligence Vendor-12/31/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6727659 | N/A | N/A |
| 341 | XX | XX |  |  | Closed | 2025-12-21 17:43 | 2025-12-26 05:32 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception Type: Credit: Housing Payment History <br> Details: Requesting an exception for a first-time home buyer who is living rent free. - 360 page. - Due Diligence Vendor-12/XX/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception Type: Credit: Housing Payment History <br> Details: Requesting an exception for a first-time home buyer who is living rent free. - 360 page. - Due Diligence Vendor-12/21/2025<br>|  |  | SLE approved subject to parameters below. <br> Minimum FICO: 800 <br> Maximum DTI: 35 <br> Maximum LTV: 85 <br> Minimum Reserves: $30,000 | CA | Primary Residence | Purchase | NA | 6727684 | Originator Pre-Close | Yes |
| 343 | XX | XX |  |  | Closed | 2025-11-18 08:16 | 2025-11-25 14:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Borrower2 Identification<br> - Buyer-11/XX/2025 <br>Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Borrower Identification - Borrower 2 provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 6287322 | N/A | N/A |
| 343 | XX | XX |  |  | Closed | 2025-11-18 08:16 | 2025-11-25 14:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Borrower1 Identification<br> - Buyer-11/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Borrower Identification - Borrower 1 provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 6287321 | N/A | N/A |
| 346 | XX | XX |  |  | Closed | 2025-11-25 07:21 | 2025-12-11 14:49 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-XX- Due Diligence Vendor-12/XX/2025 <br>Resolved-Received proof of delivery date. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. openspan 110625 - Buyer-12/XX/2025 <br>Open-The Initial Closing Disclosure was provided on (2025-XX-06) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-13). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-10), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20251105), for consummation to occur on (2025-XX-13). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 11/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 11/XX/2025. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-XX- Due Diligence Vendor-12/11/2025 <br>Resolved-Received proof of delivery date. Condition cleared. - Due Diligence Vendor-12/11/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 6379705 | N/A | N/A |
| 346 | XX | XX |  |  | Closed | 2025-11-25 07:14 | 2025-12-11 14:48 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of 11-XX-2025 is prior to or equal to the Note Date of 11-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. hoi - Buyer-12/XX/2025 <br>Open-Hazard Insurance Effective Date of 11-XX-2025 is after the Note Date of 11-XX-2025 - Due Diligence Vendor-11/XX/2025 |  | Resolved-Hazard Insurance Effective Date of 11-XX-2025 is prior to or equal to the Note Date of 11-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/11/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 6379610 | N/A | N/A |
| 349 | XX | XX |  |  | Closed | 2026-02-02 10:28 | 2026-02-02 10:37 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/XX/2026 <br>Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/XX/2026 |  | Acknowledged-Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/02/2026 <br>Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/02/2026<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 7400069 | Investor Post-Close | No |
| 351 | XX | XX |  |  | Closed | 2025-10-28 16:12 | 2026-02-02 21:21 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- - Due Diligence Vendor-02/XX/2026 <br>Acknowledged-Received the Exception Approval noting the following: 792 FICO score, 55% LTV, Reserves minimum $200,000 (Guideline requirement was 10 mths PITI and borrower has 120 mths PITI) Finding Waived with Final Grade EV2/B. - Due Diligence Vendor-02/XX/2026 <br>Counter-Lender provided an Exception for the DTI, however there are no compensating factors provided; condition remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review- - Due Diligence Vendor-11/XX/2025 <br>Open-Audited DTI of 50.44% exceeds Guideline DTI of 50% - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached approved single loan exception. - Buyer-11/XX/2025 <br>Counter-Lender provided rebuttal that states "This is a single family home and also confirms on page 5 of 35 of the appraisal that this is not controlled under a Homeowners association. This amount should not be included. Once this is not included ratios are in line with the higher HOI." The TPR firm was not able to locate the appraisers comment regarding who controls the association. Finding Remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-UW manager response: This is a single family home and also confirms on page 5 of 35 of the appraisal that this is not controlled under a Homeowners association. This amount should not be included. Once this is not included ratios are in line with the higher HOI - Seller-11/XX/2025 <br>Open-Audited DTI of 50.44% exceeds Guideline DTI of 50% DTI increased due to monthly HOA fee in the amount of $375 for the subject property, which was excluded in Lender DTI calculation. Also, the Homeowner's Insurance amount lender used for qualification of $100.00 was lower than the premium documented in the file for the subject property of $1,750, or $145.83 per month. - Due Diligence Vendor-10/XX/2025 | Ready for Review-UW manager response: This is a single family home and also confirms on page 5 of 35 of the appraisal that this is not controlled under a Homeowners association. This amount should not be included. Once this is not included ratios are in line with the higher HOI - Seller-11/12/2025<br>| Acknowledged-Received the Exception Approval noting the following: 792 FICO score, 55% LTV, Reserves minimum $200,000 (Guideline requirement was 10 mths PITI and borrower has 120 mths PITI) Finding Waived with Final Grade EV2/B. - Due Diligence Vendor-02/03/2026<br>| XX |  | 792 FICO score, 55% LTV, Reserves minimum $200,000 (Guideline requirement was 10 mths PITI and borrower has 120 mths PITI) | WA | Second Home | Refinance | Cash Out - Other | 6044240 | Investor Post-Close | No |
| 351 | XX | XX |  |  | Closed | 2025-11-05 08:20 | 2026-02-02 21:19 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved- - Due Diligence Vendor-02/XX/2026 <br> Resolved-Received the Exception Approval noting the following: 792 FICO score, 55% LTV, Reserves minimum $200,000 (Guideline requirement was 10 mths PITI and borrower has 120 mths PITI) Finding Resolved with Final Grade EV2/B. - Due Diligence Vendor-12/XX/2025 <br> Counter-Lender provided an Exception for the DTI, however there are no compensating factors provided; condition remains. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review- - Due Diligence Vendor-11/XX/2025 <br> Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached approved single loan exception. - Investor-11/XX/2025 <br> Counter-Lender provided rebuttal that states "This is a single family home and also confirms on page 5 of 35 of the appraisal that this is not controlled under a Homeowners association. This amount should not be included. Once this is not included ratios are in line with the higher HOI." The TPR firm was not able to locate the appraisers comment regarding who controls the association. Finding Remains. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-UW manager response: This is a single family home and also confirms on page 5 of 35 of the appraisal that this is not controlled under a Homeowners association. This amount should not be included. Once this is not included ratios are in line with the higher HOI - Investor-11/XX/2025 <br> Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements DTI increased due to monthly HOA fee in the amount of $375 for the subject property, which was excluded in Lender DTI calculation. Also, the Homeowner's Insurance amount lender used for qualification of $100.00 was lower than the premium documented in the file for the subject property of $1,750, or $145.83 per month. - Due Diligence Vendor-11/XX/2025 |  | Waived-Received the Exception Approval noting the following: 792 FICO score, 55% LTV, Reserves minimum $200,000 (Guideline requirement was 10 mths PITI and borrower has 120 mths PITI) Finding Resolved with Final Grade EV2/B. - Due Diligence Vendor-12/09/2025<br>| XX |  |  | WA | Second Home | Refinance | Cash Out - Other | 6131167 | N/A | N/A |
| 354 | XX | XX |  |  | Closed | 2025-11-17 10:31 | 2025-11-20 09:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/17/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6273615 | Investor Post-Close | No |
| 378 | XX | XX |  |  | Closed | 2025-12-24 22:26 | 2025-12-24 22:26 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/25/2025<br>|  |  |  | OH | Second Home | Refinance | No Cash Out - Borrower Initiated | 6802241 | Investor Post-Close | No |
| 399 | XX | XX |  |  | Closed | 2025-12-02 08:03 | 2025-12-02 08:05 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/02/2025<br>|  |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6443567 | Investor Post-Close | No |
| 401 | XX | XX |  |  | Closed | 2025-11-15 12:47 | 2025-11-20 18:37 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/21/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/21/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6263952 | N/A | N/A |
| 408 | XX | XX |  |  | Closed | 2025-11-18 17:20 | 2025-11-18 17:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/18/2025<br>|  |  |  | AZ | Second Home | Purchase | NA | 6297104 | Investor Post-Close | No |
| 413 | XX | XX |  |  | Closed | 2025-11-25 15:10 | 2025-12-08 16:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Received Driver License with Expiration date 12/XX/2027 - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. borr 1 - Buyer-12/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/08/2025<br>| XX |  |  | AZ | Investment | Purchase | NA | 6390039 | N/A | N/A |
| 413 | XX | XX |  |  | Closed | 2025-11-25 15:10 | 2025-12-08 16:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Received Driver License with Expiration Date 07/XX/2030 - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. ID - Buyer-12/XX/2025 <br>Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-12/08/2025<br>| XX |  |  | AZ | Investment | Purchase | NA | 6390040 | N/A | N/A |
| 417 | XX | XX |  |  | Closed | 2025-11-25 10:33 | 2025-11-25 10:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/25/2025<br>|  |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6384651 | Investor Post-Close | No |
| 418 | XX | XX |  |  | Closed | 2025-12-03 15:26 | 2025-12-08 16:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Received Business Purpose & Occupancy Affidavit esigned by borrower 10/XX/2025 - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Buyer-12/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/08/2025<br>| XX |  |  | FL | Investment | Refinance | Cash Out - Other | 6473763 | N/A | N/A |
| 423 | XX | XX |  |  | Closed | 2025-11-21 14:07 | 2025-12-03 16:39 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Payoff statement reflects borrower not personally responsible. Finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. UW manager response: Disagree - please see the attached mortgage statement and payoff statement from the file which both confirm that the borrower was not personally obligated on the existing mortgage on the subject property that was paid off. A payment history is not required for any mortgages on which the borrower is not personally obligated. - Buyer-11/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing 12 month housing payment history for the subject property. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Payoff statement reflects borrower not personally responsible. Finding resolved. - Due Diligence Vendor-12/03/2025 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-12/03/2025<br>| XX |  |  | SC | Investment | Refinance | No Cash Out - Borrower Initiated | 6346758 | N/A | N/A |
| 425 | XX | XX |  |  | Closed | 2025-11-15 18:51 | 2025-11-20 18:52 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/21/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/21/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6264398 | N/A | N/A |
| 429 | XX | XX |  |  | Closed | 2025-11-09 20:43 | 2025-12-01 13:40 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. icd - Buyer-11/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of (2025-XX-17) is not three business days before the consummation date of (2025-XX-17). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The file contains an Initial LE and Final CD. Provide all disclosures that were provided to the borrower. Additional conditions may apply. - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-12/01/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2025<br>| XX |  |  | NJ | Investment | Refinance | Cash Out - Other | 6187649 | N/A | N/A |
| 429 | XX | XX |  |  | Closed | 2025-11-09 20:43 | 2025-12-01 13:40 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date (Investment Property Warnings) | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. icd - Buyer-11/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of (2025-XX-17) is not three business days before the consummation date of (2025-XX-17). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The file contains an Initial LE and Final CD. Provide all disclosures that were provided to the borrower. Additional conditions may apply. - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-12/01/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2025<br>| XX |  |  | NJ | Investment | Refinance | Cash Out - Other | 6187648 | N/A | N/A |
| 431 | XX | XX |  |  | Closed | 2025-11-18 08:21 | 2025-12-17 15:57 | Resolved | 1 - Information | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Upon further review the guidelines are silent and do not specific the required effective date of insurance policies. Since the insurance was effective as of the disbursement date of the loan the finding is resolved. - Due Diligence Vendor-12/XX/2025 <br>Counter-Since the homeowner's insurance effective date is after the date of closing but prior to the subject loan disbursement date, a Level 2 Non-material finding is required. Evidence of the homeowner's insurance being effective as of the day of closing would be required to clear the finding / make it a level 1. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-The insurance is effective on 11-XX-25, one day before the disbursement date on 11-XX-25. Please clear this finding. - Investor-12/XX/2025 <br>Counter-Final Settlement Statement reflects Disbursement Date 11/XX/2025. Finding Remains. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached showing loan disbursed after the effective date of the policy. - Investor-11/XX/2025 <br>Open-XX-6 Insurance Policy Effective Date of 11-XX-2025 is after the Note Date of 11-XX-2025 - Due Diligence Vendor-11/XX/2025 |  | Resolved-Upon further review the guidelines are silent and do not specific the required effective date of insurance policies. Since the insurance was effective as of the disbursement date of the loan the finding is resolved. - Due Diligence Vendor-12/17/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6287421 | N/A | N/A |
| 431 | XX | XX |  |  | Closed | 2025-11-18 08:46 | 2025-12-16 14:51 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-Received pay history with $85 PR. Condition cured. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached payment history. - Investor-12/XX/2025 <br>Counter-Provide verification that the $85 principal reduction was applied to the account. Condition remains. - Due Diligence Vendor-12/XX/2025 <br>Open- - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-The borrower already received $85 cure for the increase in credit report fee on 11/26. I have attached the updated PCCD and payment history to confirm that the cited cost has been cured with a principal reduction. I also provided the attached FSS and updated PCCD showing borrower was only charged and paid $169 for recording fees, which is less than the $183 the was disclosed on the initial LE, no cure required. - Investor-12/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($120.00) were applied to the total fee variance of ($245.70) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Initial LE disclosed the Recording Fees as $183.00. The Final CD discloses the Recoridng Fees as $242.00. This fee is in a 10% tolerance section. Lender tolerance cure of $40.70 is required.<br> The Initial LE disclosed the Credit Report Fee as $200.00. The Final CD discloses the Credit report Fee as $285.00. This fee is in a 0% tolerance section. Lender tolerance cure of $85.00 is required.<br> Section J reflects $0 tolerance cure that is insufficient. Total Tolerance Cure of $125.70 is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Cured-Received pay history with $85 PR. Condition cured. - Due Diligence Vendor-12/16/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6287969 | N/A | N/A |
| 431 | XX | XX |  |  | Closed | 2025-11-18 08:46 | 2025-12-16 14:50 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Cured-Received pay history with $85 PR. Condition cured. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached payment history. - Investor-12/XX/2025 <br>Counter-Provide verification that the $85 principal reduction was applied to the account. Condition remains. - Due Diligence Vendor-12/XX/2025 <br>Open- - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. The borrower already received $85 cure for the increase in credit report fee on 11/26. I have attached the updated PCCD and payment history to confirm that the cited cost has been cured with a principal reduction. I also provided the attached FSS and updated PCCD showing borrower was only charged and paid $169 for recording fees, which is less than the $183 the was disclosed on the initial LE, no cure required. - Buyer-12/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($120.00) were applied to the total fee variance of ($245.70) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Initial LE disclosed the Recording Fees as $183.00. The Final CD discloses the Recoridng Fees as $242.00. This fee is in a 10% tolerance section. Lender tolerance cure of $40.70 is required.<br> The Initial LE disclosed the Credit Report Fee as $200.00. The Final CD discloses the Credit report Fee as $285.00. This fee is in a 0% tolerance section. Lender tolerance cure of $85.00 is required.<br> Section J reflects $0 tolerance cure that is insufficient. Total Tolerance Cure of $125.70 is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Cured-Received pay history with $85 PR. Condition cured. - Due Diligence Vendor-12/16/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6287967 | N/A | N/A |
| 434 | XX | XX |  |  | Closed | 2025-11-17 03:57 | 2025-12-02 10:36 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Investor-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/21/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/21/2025<br>| XX |  |  | NY | Investment | Purchase | NA | 6267880 | N/A | N/A |
| 434 | XX | XX |  |  | Closed | 2025-11-18 15:44 | 2025-12-02 10:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rental Income Documentation for REO | Resolved-Required documentation received - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached appraisal with schedule 1007 for REO property. - Investor-11/XX/2025 <br>Open-Missing Rental Income Documentation for REO listed on the application. For simultaneous purchase of REO 3c on page 4 of final 1003. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Required documentation received - Due Diligence Vendor-12/02/2025<br>| XX |  |  | NY | Investment | Purchase | NA | 6296026 | N/A | N/A |
| 434 | XX | XX |  |  | Closed | 2025-11-17 05:15 | 2025-11-25 08:05 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Final CD provided for REO 3c; condition resolved. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached tax, insurance and CD for property atXX - Seller-11/XX/2025 <br> Open-Required supporting documents for the Mortgage, insurance and Tax documents to verify the monthly income for the following properties<br>Missing Final CD for simultaneous purchase of REO 3c on page 4 of final 1003. - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. Please see attached tax, insurance and CD for property at XX - Seller-11/20/2025 | Resolved-Final CD provided for REO 3c; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | NY | Investment | Purchase | NA | 6268440 | N/A | N/A |
| 437 | XX | XX |  |  | Closed | 2025-11-18 10:48 | 2025-11-25 12:58 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. New York pamphlet and Initial Disclosure<br> - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/25/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6290300 | N/A | N/A |
| 441 | XX | XX |  |  | Closed | 2025-12-19 15:06 | 2025-12-19 20:03 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 46.1% exceeds Guideline DTI of 43% Guideline States Max DTI for FTHB as 43%, whereas audited DTI exceeds max limit of 43%. However, Exception provided Max DTi-47% - Due Diligence Vendor-12/XX/2025 |  | Waived-Audited DTI of 46.1% exceeds Guideline DTI of 43% Guideline States Max DTI for FTHB as 43%, whereas audited DTI exceeds max limit of 43%. However, Exception provided Max DTi-47% - Due Diligence Vendor-12/19/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6714511 | Originator Pre-Close | Yes |
| 446 | XX | XX |  |  | Closed | 2025-12-18 12:20 | 2025-12-31 16:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached tracking and audit trail for the initial CD. - Buyer-12/XX/2025 <br> Open-The Initial Closing Disclosure was provided on (2025-XX-28) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-04). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-02), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX), for consummation to occur on (2025-XX-04). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of 2025-XX-2028. eSignature is missing and there is no tracking document to show receipt. Therefore, the Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of initial CD 3 business days prior to consummation of 2025-XX-04 - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 |  | Resolved-Resolved - Due Diligence Vendor-12/31/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6688300 | N/A | N/A |
| 446 | XX | XX |  |  | Closed | 2025-12-19 13:48 | 2025-12-19 14:28 | Waived | 2 - Non-Material | Credit | Income/Employment | Borrower 1 IRS Transcripts Do Not Match Income Docs | Waived-Borrower 1 IRS Transcripts Do Not Match Income Docs The 2024 transcripts that were ordered on 11/XX/2025 came back stating No record of return filed and no record of efile confirmation. The file contains a pre consummation approved exception with no min/max parameters. - Due Diligence Vendor-12/XX/2025 |  | Waived-Borrower 1 IRS Transcripts Do Not Match Income Docs The 2024 transcripts that were ordered on 11/21/2025 came back stating No record of return filed and no record of efile confirmation. The file contains a pre consummation approved exception with no min/max parameters. - Due Diligence Vendor-12/19/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6712202 | Originator Pre-Close | Yes |
| 447 | XX | XX |  |  | Closed | 2025-12-17 14:19 | 2025-12-19 15:52 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 703 is less than Guideline FICO of 720 . However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-12/XX/2025 |  | Waived-Audited FICO of 703 is less than Guideline FICO of 720 . However, the lender provided an approved exception dated prior to consummation, and all compensating factors were validated. - Due Diligence Vendor-12/17/2025<br>|  |  | STR Experience, Min DSCR 1.2 | MA | Investment | Purchase | NA | 6668985 | Originator Pre-Close | Yes |
| 455 | XX | XX |  |  | Closed | 2025-12-09 05:16 | 2025-12-16 15:48 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-12/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Disclosure provided. - Due Diligence Vendor-12/16/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6543650 | N/A | N/A |
| 460 | XX | XX |  |  | Closed | 2025-11-21 16:29 | 2025-11-25 13:06 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Resolved-Lender provided Servicing Transfer Notice. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-RESPA: Servicing Transfer Notice provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Servicing Transfer Notice - Buyer-11/XX/2025 <br>Open-RESPA: Servicing Transfer Notice Missing. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided Servicing Transfer Notice. Condition cleared. - Due Diligence Vendor-11/25/2025 <br>Resolved-RESPA: Servicing Transfer Notice provided. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6348868 | N/A | N/A |
| 463 | XX | XX |  |  | Closed | 2025-11-18 11:38 | 2025-11-25 13:01 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. New York pamphlet and Initial Disclosure<br> - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/25/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6291184 | N/A | N/A |
| 467 | XX | XX |  |  | Closed | 2025-12-04 10:43 | 2025-12-05 15:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Received fully executed Business Purpose Affidavit for both borrowers. Finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. business purpose - Buyer-12/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Received fully executed Business Purpose Affidavit for both borrowers. Finding resolved. - Due Diligence Vendor-12/05/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/05/2025<br>| XX |  |  | PA | Investment | Purchase | NA | 6485970 | N/A | N/A |
| 468 | XX | XX |  |  | Closed | 2025-11-25 07:34 | 2025-12-08 16:30 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Received Driver License with expiration date of 06/XX/2028 - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. id - Buyer-12/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/08/2025<br>| XX |  |  | AL | Primary Residence | Purchase | NA | 6379845 | N/A | N/A |
| 469 | XX | XX |  |  | Closed | 2025-12-04 07:49 | 2025-12-04 07:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/04/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 6481283 | Investor Post-Close | No |
| 471 | XX | XX |  |  | Closed | 2025-11-17 13:01 | 2025-12-04 11:04 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. business purpose - Buyer-12/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/04/2025<br>| XX |  |  | TN | Investment | Purchase | NA | 6277265 | N/A | N/A |
| 472 | XX | XX |  |  | Closed | 2026-02-02 10:32 | 2026-02-02 10:36 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/XX/2026 <br>Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/XX/2026 |  | Acknowledged- Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/02/2026 <br>Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/02/2026<br>|  |  |  | NY | Investment | Purchase | NA | 7400152 | Investor Post-Close | No |
| 474 | XX | XX |  |  | Closed | 2025-12-01 08:39 | 2025-12-04 11:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Buyer-12/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/04/2025<br>| XX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 6427356 | N/A | N/A |
| 479 | XX | XX |  |  | Closed | 2025-12-01 09:26 | 2025-12-11 16:14 | Resolved | 1 - Information | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached bank statement. - Buyer-12/XX/2025 <br>Open-The second asset reflected on the Borrower's final loan application in Section 2 with a balance of $121,779 was not documented to guideline requirements. The loan file contains an account statement covering a one-month account history. Guidelines require a two-month account history be documented. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-12/11/2025<br>| XX |  |  | AL | Investment | Purchase | NA | 6428215 | N/A | N/A |
| 480 | XX | XX |  |  | Closed | 2025-11-19 10:11 | 2025-12-01 13:32 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Initial Disclosure with NY Pamphlet - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-12/01/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | NY | Investment | Refinance | Cash Out - Other | 6305266 | N/A | N/A |
| 481 | XX | XX |  |  | Closed | 2025-11-25 13:51 | 2025-12-04 16:18 | Resolved | 1 - Information | Compliance | Closing | The Note is Not Executed | Resolved-Lender provided signed Note. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved-The Note is Executed - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached copy of Note. - Buyer-12/XX/2025 <br>Open-The Note is Not Executed File does not contain page 3 of the Note. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided signed Note. Condition cleared. - Due Diligence Vendor-12/04/2025 <br>Resolved-The Note is Executed - Due Diligence Vendor-12/04/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6388233 | N/A | N/A |
| 493 | XX | XX |  |  | Closed | 2025-11-20 12:35 | 2026-01-31 04:14 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $179026.66 is equal to or greater than Total Required Reserve Amount of $71607.51 - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. CD for simultaneously closed loan XX - Buyer-12/XX/2025 <br> Counter-Pages 2 thru 6 are blank on all copies of the CD provided. Provide a legible final CD for REO 3d with unpaid balance of $420,000. The CD must include the addendum with the property address. Condition remains. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached CD for the loan that was closed simultaneously- sufficient reserve amounts for all loans" . The uploaded CD from other loan in process XX . - Investor-12/XX/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $26447.92 is less than Total Required Reserve Amount of $71607.51 Only assets documented in file are cash proceeds from subject transaction and Business Checking account for the Borrowers' business used to qualify. These assets are insufficient to meet reserve requirement. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $179026.66 is equal to or greater than Total Required Reserve Amount of $71607.51 - Due Diligence Vendor-12/16/2025<br>| XX |  |  | UT | Investment | Refinance | Cash Out - Other | 6329240 | N/A | N/A |
| 493 | XX | XX |  |  | Closed | 2025-11-25 09:18 | 2026-01-31 04:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-XX- Due Diligence Vendor-12/XX/2025 <br> Resolved-XX- Due Diligence Vendor-12/XX/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. CD for simultaneously closed loan XXXX - Investor-12/XX/2025 <br> Counter-Pages 2 thru 6 are blank on all copies of the CD provided. Provide a legible final CD for REO 3d with unpaid balance of XXXX. The CD must include the addendum with the property address. Condition remains. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached CD for the loan that was closed simultaneously- sufficient reserve amounts for all loans" . The uploaded CD from other loan in process XX . - Buyer-12/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Only assets documented in file are cash proceeds from subject transaction and Business Checking account for the Borrowers' business used to qualify. These assets are insufficient to meet reserve requirement. - Due Diligence Vendor-11/XX/2025 |  | Resolved-XX- Due Diligence Vendor-12/16/2025 <br>Resolved-XX- Due Diligence Vendor-12/16/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/16/2025<br>| XX |  |  | UT | Investment | Refinance | Cash Out - Other | 6382023 | N/A | N/A |
| 493 | XX | XX |  |  | Closed | 2025-11-20 09:51 | 2025-12-16 15:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-XX- Due Diligence Vendor-12/XX/2025 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-CD for simultaneously closed loan XX - Investor-12/XX/2025 <br> Counter-Pages 2 thru 6 are blank on all copies of the CD provided. Provide a legible final CD for REO 3d with unpaid balance of $XX. The CD must include the addendum with the property address. Condition remains. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached CD for the loan that was closed simultaneously- sufficient reserve amounts for all loans" . The uploaded CD from other loan in process XX . - Buyer-12/XX/2025 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Loan application reflects subject loan Lender is also doing a simo refi of a different investment property for the borrowers with a loan amount of $XX and a monthly PITIA payment of $3,614.00. File is missing documentation to confirm the terms of this simo refi loan. - Due Diligence Vendor-11/XX/2025 |  | Resolved-XX- Due Diligence Vendor-12/16/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/16/2025<br>| XX |  |  | UT | Investment | Refinance | Cash Out - Other | 6321766 | N/A | N/A |
| 493 | XX | XX |  |  | Closed | 2025-11-20 12:48 | 2025-12-16 15:37 | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Audited Assets of $179026.66 are greater than Guideline Required Assets of $71607.51. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. CD for simultaneously closed loan XX - Buyer-12/XX/2025 <br> Counter-Pages 2 thru 6 are blank on all copies of the CD provided. Provide a legible final CD for REO 3d with unpaid balance of $XX. The CD must include the addendum with the property address. Condition remains. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached CD for the loan that was closed simultaneously- sufficient reserve amounts for all loans" . The uploaded CD from other loan in process XX . - Buyer-12/XX/2025 <br> Open-Audited Assets of $26447.92 are less than Guideline Required Assets of $71607.51. Only assets documented in file are cash proceeds from subject transaction and Business Checking account for the Borrowers' business used to qualify. These assets are insufficient to meet reserve requirement. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Audited Assets of $179026.66 are greater than Guideline Required Assets of $71607.51. - Due Diligence Vendor-12/16/2025<br>| XX |  |  | UT | Investment | Refinance | Cash Out - Other | 6329501 | N/A | N/A |
| 493 | XX | XX |  |  | Closed | 2025-11-20 09:40 | 2025-12-16 15:37 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received CD. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. CD for simultaneously closed loan XX - Buyer-12/XX/2025 <br> Counter-Pages 2 thru 6 are blank on all copies of the CD provided. Provide a legible final CD for REO 3d with unpaid balance of $XX. The CD must include the addendum with the property address. Condition remains. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached CD for the loan that was closed simultaneously- sufficient reserve amounts for all loans" . The uploaded CD from other loan in process XX .<br> - Investor-12/XX/2025 <br> Open-Loan application reflects subject loan Lender is also doing a simo refi of a different investment property for the borrowers with a loan amount of $XX and a monthly PITIA payment of $3,614.00. File is missing documentation to confirm the terms of this simo refi loan.<br> - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received CD. Condition cleared. - Due Diligence Vendor-12/16/2025<br>| XX |  |  | UT | Investment | Refinance | Cash Out - Other | 6321505 | N/A | N/A |
| 496 | XX | XX |  |  | Closed | 2025-11-17 13:26 | 2025-11-25 12:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided valid COC for decrease in lender credit. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. coc - Buyer-11/XX/2025 <br>Open-The Loan Estimate, dated 10/XX/2025, reflects a general Lender Credit of $10,272.85 in Section J. Post-Closing CD dated 11/XX/2025 reflects a general Lender Credit of $7868.96 in Section J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $2403.89 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/XX/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($10,272.85). The Last CD shows a total lender credit amount of ($7,868.96). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided valid COC for decrease in lender credit. Condition cleared. - Due Diligence Vendor-11/24/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/24/2025<br>| XX |  |  | ME | Second Home | Refinance | No Cash Out - Borrower Initiated | 6277864 | N/A | N/A |
| 496 | XX | XX |  |  | Closed | 2025-11-17 13:26 | 2025-11-25 12:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Lender provided valid COC for decrease in lender credit. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. coc - Investor-11/XX/2025 <br>Open-The Loan Estimate, dated 10/XX/2025, reflects a general Lender Credit of $10,272.85 in Section J. Post-Closing CD dated 11/XX/2025 reflects a general Lender Credit of $7868.96 in Section J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $2403.89 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/XX/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($10,272.85). The actual total fee amount shows a credit amount of ($7,868.96). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided valid COC for decrease in lender credit. Condition cleared. - Due Diligence Vendor-11/24/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/24/2025<br>| XX |  |  | ME | Second Home | Refinance | No Cash Out - Borrower Initiated | 6277865 | N/A | N/A |
| 498 | XX | XX |  |  | Closed | 2025-11-15 08:02 | 2025-12-02 10:18 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Required documentation received. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached ID. - Buyer-12/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Required documentation received. - Due Diligence Vendor-12/02/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/02/2025<br>| XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6263430 | N/A | N/A |
| 501 | XX | XX |  |  | Closed | 2025-11-15 15:11 | 2025-11-25 14:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-Deed of Trust provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. mortgage - Buyer-11/XX/2025 <br>Counter-Mortgage document provided for review is for the previous mortgage, missing the mortgage for the subject transaction; condition remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. mortgage - Buyer-11/XX/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-11/XX/2025 |  | Resolved-Deed of Trust provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6264153 | N/A | N/A |
| 501 | XX | XX |  |  | Closed | 2025-11-15 17:20 | 2025-11-20 18:51 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. initial docs 09/XX/25 - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/21/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/21/2025<br>| XX |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6264287 | N/A | N/A |
| 504 | XX | XX |  |  | Closed | 2025-12-01 14:32 | 2025-12-01 14:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/01/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 6434810 | Investor Post-Close | No |
| 505 | XX | XX |  |  | Closed | 2025-12-08 15:46 | 2025-12-08 15:47 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/08/2025<br>|  |  |  | FL | Second Home | Purchase | NA | 6537136 | Investor Post-Close | No |
| 507 | XX | XX |  |  | Closed | 2025-12-15 09:58 | 2025-12-19 10:26 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-XX- Due Diligence Vendor-12/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. one span 112825 - Buyer-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 <br> Open-The Initial Closing Disclosure was provided on (2025-XX-28) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-04). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-02), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XXXX), for consummation to occur on (2025-XX-04). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of (11/XX/25) with no acknowledgment of receipt on the part of the borrower. - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 |  | Resolved-XX- Due Diligence Vendor-12/19/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/19/2025<br>| XX |  |  | WA | Primary Residence | Purchase | NA | 6623905 | N/A | N/A |
| 507 | XX | XX |  |  | Closed | 2025-12-15 09:57 | 2025-12-15 09:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/15/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 6623870 | Investor Post-Close | No |
| 515 | XX | XX |  |  | Closed | 2025-12-03 13:28 | 2025-12-09 14:09 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. initial docs 08/XX/25 - Buyer-12/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Disclosure provided. - Due Diligence Vendor-12/09/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6471054 | N/A | N/A |
| 516 | XX | XX |  |  | Closed | 2025-11-18 10:40 | 2025-12-01 13:30 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Initial Disclosure with NY Pamphlet<br> - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-12/01/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6290150 | N/A | N/A |
| 517 | XX | XX |  |  | Closed | 2025-11-24 15:33 | 2025-11-24 15:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/24/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 6372335 | Investor Post-Close | No |
| 530 | XX | XX |  |  | Closed | 2025-11-07 08:02 | 2025-12-03 16:03 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Lender provided evidence of intent to re-record the mortgage with the PUD rider. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached from title regarding recording the mortgage. - Buyer-12/XX/2025 <br>Counter-The lender provided an executed PUD rider. Please provide evidence the mortgage was re-recorded with the PUD rider or a letter from the title company as evidence of intent to re-record. Condition maintained. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached PUD Rider. - Buyer-12/XX/2025 <br>Open-Missing Mortgage Riders – PUD Rider Subject property is in PUD as per appraisal report. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided evidence of intent to re-record the mortgage with the PUD rider. Condition cleared. - Due Diligence Vendor-12/03/2025 <br>Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-12/03/2025<br>| XX |  |  | CA | Second Home | Purchase | NA | 6169144 | N/A | N/A |
| 531 | XX | XX |  |  | Closed | 2025-12-05 08:11 | 2025-12-12 11:09 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received proof of delivery. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. one span 111725 - Buyer-12/XX/2025 <br> Open-The Initial Closing Disclosure was provided on (2025-XX-17) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-21). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-20), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (20251114), for consummation to occur on (2025-XX-21). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Evidence of receipt of the initial Closing Disclosure was not documented in file. Timing does not meet requirements when applying the mailbox rule. - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 |  | Resolved-Received proof of delivery. Condition cleared. - Due Diligence Vendor-12/12/2025<br>| XX |  |  | UT | Primary Residence | Purchase | NA | 6501397 | N/A | N/A |
| 539 | XX | XX |  |  | Closed | 2025-11-20 09:28 | 2025-12-02 12:36 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved- - Due Diligence Vendor-12/XX/2025 <br>Resolved-Lender provided PCCD with correct disbursement date. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. pccd - Buyer-11/XX/2025 <br>Open-The loan disbursement date (2025-XX-05) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2025-XX-05). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of 11/XX/2025 with an expiration date of 11/XX/2025. The loan disbursed on 11/XX/2025 per the final CD, which did not give the Borrower a full 3 day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-XX- Due Diligence Vendor-12/02/2025 <br>Resolved-Lender provided PCCD with correct disbursement date. Condition cleared. - Due Diligence Vendor-12/01/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6321298 | N/A | N/A |
| 539 | XX | XX |  |  | Closed | 2025-11-20 07:34 | 2025-12-02 12:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Required documentation received. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. B2 ID - Buyer-12/XX/2025 <br>Open-Missing Borrower Identification - Borrower 2. Provide legible copy of the CA driver's license or notarized Patriot Act form. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Required documentation received. - Due Diligence Vendor-12/02/2025 <br>Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-12/02/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6318541 | N/A | N/A |
| 542 | XX | XX |  |  | Closed | 2025-11-25 08:30 | 2025-12-14 21:01 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Confirmed. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Per purchase contract, line 344 (8A), the XXXX will be paid by the seller.<br> This is confirmed by the Final Settlement Statement, Section H.<br> - Buyer-12/XX/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-11/XX/2025 |  | Resolved-Confirmed. Condition cleared. - Due Diligence Vendor-12/15/2025<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 6381000 | N/A | N/A |
| 542 | XX | XX |  |  | Closed | 2025-11-25 09:21 | 2025-11-25 09:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/25/2025<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 6382071 | Investor Post-Close | No |
| 543 | XX | XX |  |  | Closed | 2025-11-10 09:55 | 2025-12-01 14:18 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Cured-Provide Letter of Explanation, Screenshot of Principal Reduction, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached cure package. - Investor-12/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($45.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($90.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A lender credit of $90 was removed from section B. If a valid COC cannot be provided, a tolerance cure of $90 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 |  | Cured-Provide Letter of Explanation, Screenshot of Principal Reduction, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6193351 | N/A | N/A |
| 543 | XX | XX |  |  | Closed | 2025-11-10 09:55 | 2025-12-01 14:18 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Cured-Provide Letter of Explanation, Screenshot of Principal Reduction, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-12/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($45.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($90.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A lender credit of $90 was removed from section B. If a valid COC cannot be provided, a tolerance cure of $90 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Cured-Provide Letter of Explanation, Screenshot of Principal Reduction, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6193350 | N/A | N/A |
| 551 | XX | XX |  |  | Closed | 2025-11-14 06:05 | 2025-11-20 13:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower identification received. Finding resolved. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Borrower ID - Buyer-11/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Borrower identification received. Finding resolved. - Due Diligence Vendor-11/20/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-11/20/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 6250155 | N/A | N/A |
| 555 | XX | XX |  |  | Closed | 2025-12-14 16:10 | 2025-12-16 16:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit received, finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Business Purpose with attached esignature trail summary - Buyer-12/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Business Purpose Affidavit received, finding resolved. - Due Diligence Vendor-12/16/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/16/2025<br>| XX |  |  | NJ | Investment | Refinance | Cash Out - Other | 6616795 | N/A | N/A |
| 561 | XX | XX |  |  | Closed | 2025-12-10 09:27 | 2025-12-19 14:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower ID received, finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached drivers license. - Buyer-12/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Borrower ID received, finding resolved. - Due Diligence Vendor-12/19/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-12/19/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 6565821 | N/A | N/A |
| 563 | XX | XX |  |  | Closed | 2025-12-01 13:26 | 2025-12-01 13:31 | Waived | 2 - Non-Material | Property | Property | Property or house size is outside of guidelines | Waived-Property sq. footage of xx does not meet minimum requirement of 500 sq ft. A lender exception is present in the file, dated prior to consummation. No comp factors were required. - Due Diligence Vendor-12/XX/2025 |  | Waived-Property sq. footage of xx does not meet minimum requirement of 500 sq ft. A lender exception is present in the file, dated prior to consummation. No comp factors were required. - Due Diligence Vendor-12/01/2025 |  |  |  | CA | Primary Residence | Purchase | NA | 6433458 | Originator Pre-Close | Yes |
| 564 | XX | XX |  |  | Closed | 2025-12-12 10:25 | 2025-12-22 13:31 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached econsent. - Investor-12/XX/2025 <br>Open-E-Consent documentation is missing for borrower(s) E consent in file is signed 10/XX/2025. The earliest E signed doc is dated 10/XX/2025. - Due Diligence Vendor-12/XX/2025 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/22/2025<br>| XX |  |  | MI | Primary Residence | Purchase | NA | 6603376 | N/A | N/A |
| 564 | XX | XX |  |  | Closed | 2025-12-12 10:17 | 2025-12-22 13:30 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-XX- Due Diligence Vendor-12/XX/2025 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Please see attached econsent. - Investor-12/XX/2025 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-12/XX/2025 |  | Resolved-XX- Due Diligence Vendor-12/22/2025 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-12/22/2025<br>|  |  |  | MI | Primary Residence | Purchase | NA | 6602912 | N/A | N/A |
| 564 | XX | XX |  |  | Closed | 2025-11-25 13:03 | 2025-12-22 13:30 | Resolved | 1 - Information | Compliance | Disclosure | HPML: Appraisal Not Provided to Applicant | Resolved-HPML Compliant: Evidence provided that appraisal was provided to applicant timely. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. appraisal delivered - Investor-12/XX/2025 <br>Open-HPML Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant or was not provided timely. .HPML Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant or was not provided timely. - Due Diligence Vendor-11/XX/2025 |  | Resolved-HPML Compliant: Evidence provided that appraisal was provided to applicant timely. - Due Diligence Vendor-12/12/2025<br>| XX |  |  | MI | Primary Residence | Purchase | NA | 6387509 | N/A | N/A |
| 564 | XX | XX |  |  | Closed | 2025-11-25 13:03 | 2025-12-22 13:29 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. appraisal delivered - Investor-12/XX/2025 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-11/XX/2025 |  | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-12/12/2025<br>| XX |  |  | MI | Primary Residence | Purchase | NA | 6387511 | N/A | N/A |
| 564 | XX | XX |  |  | Closed | 2025-11-26 12:02 | 2025-12-04 16:15 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided page 4 of the final CD. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. page 4 - Investor-12/XX/2025 <br>Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is missing page 4. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided page 4 of the final CD. Condition cleared. - Due Diligence Vendor-12/04/2025<br>| XX |  |  | MI | Primary Residence | Purchase | NA | 6404345 | N/A | N/A |
| 564 | XX | XX |  |  | Closed | 2025-11-25 12:49 | 2025-12-04 16:12 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br> Resolved- - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. icd - Buyer-12/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of (2025-XX-31) is not three business days before the consummation date of (2025-XX-31). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-11/XX/2025 <br> Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-12/04/2025<br>| XX |  |  | MI | Primary Residence | Purchase | NA | 6387224 | N/A | N/A |
| 567 | XX | XX |  |  | Closed | 2025-12-05 12:06 | 2025-12-08 15:24 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Lender Guideline states Not Permitted-Non-Permanent Residents. Despite this requirement, Documentation in file indicates Coborrower is a Non-Permanent Resident. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/XX/2025 |  | Waived-Lender Guideline states Not Permitted-Non-Permanent Residents. Despite this requirement, Documentation in file indicates Coborrower is a Non-Permanent Resident. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/05/2025<br>|  |  | Both borrowers are current own their own homes with long clean mortgage history.<br> Co borrower category is C09P so pending permanent resident status.<br> Depth of credit.<br> 25 months post-closing reserves.<br> Both borrowers are high earning professionals. | GA | Investment | Purchase | NA | 6507098 | Originator Pre-Close | Yes |
| 570 | XX | XX |  |  | Closed | 2025-12-11 14:33 | 2025-12-16 16:21 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Received Evidence of Good Standing, finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. good standings - Buyer-12/XX/2025 <br>Open-Missing Evidence of Good Standing. Good Standing document is not dated. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Received Evidence of Good Standing, finding resolved. - Due Diligence Vendor-12/16/2025 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-12/16/2025<br>| XX |  |  | NY | Investment | Purchase | NA | 6592196 | N/A | N/A |
| 572 | XX | XX |  |  | Closed | 2025-11-25 11:25 | 2025-11-25 11:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/25/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6385764 | Investor Post-Close | No |
| 578 | XX | XX |  |  | Closed | 2025-11-14 03:44 | 2025-12-09 14:56 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached 10-XX-25 fraud report. - Buyer-12/XX/2025 <br>Counter-Received Screenprint within email showing no OFAC. Missing date report pulled. Please provide the dated OFAC report. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached search. - Buyer-12/XX/2025 <br>Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-11/XX/2025 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/09/2025<br>| XX |  |  | AR | Investment | Purchase | NA | 6249102 | N/A | N/A |
| 581 | XX | XX |  |  | Closed | 2025-11-18 09:56 | 2025-11-25 16:12 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided "What Mortgage Applicants Need to Know" Pamphlet. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided "What Mortgage Applicants Need to Know" Pamphlet. Condition cleared. - Due Diligence Vendor-11/25/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6289403 | N/A | N/A |
| 584 | XX | XX |  |  | Closed | 2025-11-18 10:48 | 2025-11-25 14:26 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Solar agreement documentation provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-11/XX/2025 |  | Resolved-Solar agreement documentation provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6290301 | N/A | N/A |
| 584 | XX | XX |  |  | Closed | 2025-11-18 13:22 | 2025-11-25 14:25 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Solar agreement documentation provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. solar panel payments - Buyer-11/XX/2025 <br>Open-Proof of the XXXX payment amount that's included in the final DTI - Due Diligence Vendor-11/XX/2025 |  | Resolved-Solar agreement documentation provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6293270 | N/A | N/A |
| 585 | XX | XX |  |  | Closed | 2025-12-08 13:13 | 2026-02-02 18:09 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-Received Initial Escrow Disclosures signed by borrower 11/XX/2025. Finding Resolved - Due Diligence Vendor-02/XX/2026 <br>Resolved- - Due Diligence Vendor-02/XX/2026 <br>Cured-Received Initial Escrow Disclosures signed by borrower 11/XX/2025. Finding Resolved - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. iead - Investor-01/XX/2026 <br>Open-RESPA: IEADS Required - Missing File is missing the Initial Escrow Account Disclosure Statement. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Received Initial Escrow Disclosures signed by borrower XX/XX/XXXX. Finding Resolved - Due Diligence Vendor-02/03/2026 <br> Cured-Received Initial Escrow Disclosures signed by borrower XX/XX/XXXX. Finding Resolved - Due Diligence Vendor-02/02/2026 | XX |  |  | TX | Primary Residence | Purchase | NA | 6533758 | N/A | N/A |
| 585 | XX | XX |  |  | Closed | 2025-12-05 09:18 | 2026-02-01 10:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-The subject property has a new construction home and has not yet been reassessed for the improvements. Please see the attached document from the file showing the projected new construction annual tax amount of $4,583.37 on page 5. - Investor-12/XX/2025 <br>Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Subject property is new construction. Lender used a qualifying monthly property tax payment of $381.95. Loan file is missing documentation to support this amount. - Due Diligence Vendor-12/XX/2025 |  | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-12/11/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6502759 | N/A | N/A |
| 585 | XX | XX |  |  | Closed | 2025-12-05 08:47 | 2025-12-11 15:36 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. The subject property has a new construction home and has not yet been reassessed for the improvements. Please see the attached document from the file showing the projected new construction annual tax amount of $4,583.37 on page 5. - Buyer-12/XX/2025 <br>Open-Missing Evidence of Property Tax Subject property is new construction. Lender used a qualifying monthly property tax payment of $381.95. Loan file is missing documentation to support this amount. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/11/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | 6502079 | N/A | N/A |
| 595 | XX | XX |  |  | Closed | 2026-02-02 10:34 | 2026-02-02 10:34 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/02/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7400180 | Investor Post-Close | No |
| 595 | XX | XX |  |  | Closed | 2025-11-25 09:44 | 2025-12-02 14:57 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Required documentation received. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-12/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Required documentation received. - Due Diligence Vendor-12/02/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-12/02/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6382490 | N/A | N/A |
| 595 | XX | XX |  |  | Closed | 2025-11-25 13:43 | 2025-11-25 13:43 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $xx is greater than the Guideline Maximum Loan Amount of $1500000 First Time Homebuyer limited to maximum loan amount of $1,500,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/XX/2025 |  | Waived-Audited Loan Amount of $xx is greater than the Guideline Maximum Loan Amount of $1500000 First Time Homebuyer limited to maximum loan amount of $1,500,000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/25/2025 |  |  | -Reserves of $200,000.<br> - DTI under 40%.<br> - LTV of 80%.<br> - FICO of 770 | NY | Primary Residence | Purchase | NA | 6388123 | Originator Pre-Close | Yes |
| 606 | XX | XX |  |  | Closed | 2025-12-08 16:35 | 2025-12-08 16:35 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements FTHB living rent free over 12 months. A lender exception dated prior to consummation is in the file. - Due Diligence Vendor-12/XX/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements FTHB living rent free over 12 months. A lender exception dated prior to consummation is in the file. - Due Diligence Vendor-12/08/2025<br>|  |  | No additional parameters required. | FL | Primary Residence | Purchase | NA | 6538179 | Originator Pre-Close | Yes |
| 613 | XX | XX |  |  | Closed | 2025-12-04 12:04 | 2025-12-04 12:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/04/2025<br>|  |  |  | NV | Second Home | Refinance | Cash Out - Other | 6488146 | Investor Post-Close | No |
| 624 | XX | XX |  |  | Closed | 2026-02-02 10:39 | 2026-02-02 10:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance - Due Diligence Vendor-02/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance - Due Diligence Vendor-02/02/2026<br>|  |  |  | FL | Investment | Purchase | NA | 7400244 | Investor Post-Close | No |
| 625 | XX | XX |  |  | Closed | 2025-11-15 21:49 | 2025-11-24 09:59 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/16/2025<br>|  |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6264574 | Investor Post-Close | No |
| 629 | XX | XX |  |  | Closed | 2025-10-30 05:46 | 2025-12-04 07:08 | Resolved | 1 - Information | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Received new master policy with effective dates of 11/XX/2025 - 11/XX/2026 along with gap letter confirming no loss claimed from 10/XX/2025 to the start of the new policy date of 11/XX/2025. Finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Master Policy Expiration Date of 11-XX-2026 is Equal to or After the Transaction Date of 10-XX-2025 Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Please see explanation from our processor: They don't have an updated Master with the effective date, the seller cancelled it on the buyer so he had to issue a new policy which I went over with project review. The gap letter was provided to show that there was no loss claimed during that time period, that is all we can get at this time. <br>Please advise what you will accept to clear this finding.<br> - Investor-11/XX/2025 <br>Counter-Lender provided Master Condo Policy with effective date of 11/XX/2025 which is after the transaction date of 10/XX/2025. Previously submitted Master Condo Policy expired 10/XX/2025. Statement of no loss in not sufficient. Please provide evidence of Master Condo Policy effective at the time of the transaction. Finding remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached no loss statement. - Investor-11/XX/2025 <br>Counter-Lener provide Condo Master policy with effective date of 11/XX/2025. Transaction Date is 10/XX/2025. Previously submitted Master Condo Policy expiration date is 10/XX/2025. Please provide evidence of Master Condo Policy effective at time of Transaction Date. Finding Remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached master policy renewal and statement of no loss. - Buyer-11/XX/2025 <br>Counter-Lender provided Master Flood Policy. Finding is for Master Property Insurance Policy. Finding Remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see updated flood policy for term from 2025-2026. - Investor-11/XX/2025 <br>Open-Master Policy Expiration Date of 10-XX-2025 is Prior To the Transaction Date of 10-XX-2025 - Due Diligence Vendor-10/XX/2025 |  | Resolved-Received new master policy with effective dates of 11/12/2025 - 11/12/2026 along with gap letter confirming no loss claimed from 10/XX/2025 to the start of the new policy date of 11/12/2025. Finding resolved. - Due Diligence Vendor-12/04/2025 <br>Resolved-Master Policy Expiration Date of 11-XX-2026 is Equal to or After the Transaction Date of 10-XX-2025 Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-12/04/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 6063695 | N/A | N/A |
| 629 | XX | XX |  |  | Closed | 2025-10-30 05:46 | 2025-12-04 07:03 | Resolved | 1 - Information | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Lender provided valid Flood Insurance Master Policy. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Flood Insurance Expiration Date of 10-XX-2026 is equal to or after the Note Date of 10-XX-2025 Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see updated flood policy for term from 2025-2026. - Investor-11/XX/2025 <br>Open-Flood Insurance Expiration Date of 10-XX-2025 is prior to the Note Date of 10-XX-2025 - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided valid Flood Insurance Master Policy. Finding Resolved. - Due Diligence Vendor-11/04/2025 <br>Resolved-Flood Insurance Expiration Date of 10-XX-2026 is equal to or after the Note Date of 10-XX-2025 Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-11/04/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 6063694 | N/A | N/A |
| 631 | XX | XX |  |  | Closed | 2025-11-25 08:26 | 2025-12-05 15:11 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Received updated policy with effective date that matches Note date. Finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Hazard Insurance Effective Date of 11-XX-2025 is prior to or equal to the Note Date of 11-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. HOI - Buyer-12/XX/2025 <br>Open-Hazard Insurance Effective Date of 11-XX-2025 is after the Note Date of 11-XX-2025 - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received updated policy with effective date that matches Note date. Finding resolved. - Due Diligence Vendor-12/05/2025 <br>Resolved-Hazard Insurance Effective Date of 11-XX-2025 is prior to or equal to the Note Date of 11-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/05/2025<br>| XX |  |  | NC | Primary Residence | Purchase | NA | 6380867 | N/A | N/A |
| 634 | XX | XX |  |  | Closed | 2025-12-05 07:15 | 2025-12-17 07:24 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-Lender's Guidelines require a second full appraisal when secondary valuations are indeterminate. The loan file contains 2 full appraisals therefore finding is resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Per our UW: 2 full appraisals were obtained due to variance on CDA. Another CDA is not required with 2 appraisals - Buyer-12/XX/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary valuation reported in Pg#290 has High risk score. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Lender's Guidelines require a second full appraisal when secondary valuations are indeterminate. The loan file contains 2 full appraisals therefore finding is resolved. - Due Diligence Vendor-12/17/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/17/2025<br>|  |  |  | UT | Investment | Refinance | Cash Out - Other | 6500411 | N/A | N/A |
| 635 | XX | XX |  |  | Closed | 2026-02-02 10:41 | 2026-02-02 10:41 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/02/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 7400260 | Investor Post-Close | No |
| 635 | XX | XX |  |  | Closed | 2025-12-04 11:40 | 2025-12-11 15:20 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. one span 11/XX/25 - Buyer-12/XX/2025 <br> Open-The Initial Closing Disclosure was provided on (2025-XX-13) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (2025-XX-19). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-17), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XXXX), for consummation to occur on (2025-XX-19). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 11/XX/2025 with no acknowledgment of receipt on the part of the borrower or e- disclosure tracking. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 11/XX/2025. - Due Diligence Vendor-12/XX/2025 <br> Open- - Due Diligence Vendor-12/XX/2025 |  | Resolved-Resolved - Due Diligence Vendor-12/11/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 6487510 | N/A | N/A |
| 641 | XX | XX |  |  | Closed | 2025-11-04 09:22 | 2025-12-02 09:51 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/13/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/13/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6114049 | N/A | N/A |
| 641 | XX | XX |  |  | Closed | 2025-11-10 17:37 | 2025-12-02 09:51 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Appraiser addendum addressing increase in value was received. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Document Uploaded. appraisal - Buyer-11/XX/2025 <br> Open-The file contains 2 appraisals from the same appraiser with values of $xx and $xx. The higher value was used by the lender. Provide an explanation from the appraiser regarding the 2 appraisals/values. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Appraiser addendum addressing increase in value was received. - Due Diligence Vendor-12/02/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6201701 | N/A | N/A |
| 641 | XX | XX |  |  | Closed | 2025-11-10 18:03 | 2025-11-10 18:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/11/2025<br>|  |  |  | NY | Primary Residence | Purchase | NA | 6201785 | Originator Pre-Close | No |
| 644 | XX | XX |  |  | Closed | 2025-11-17 07:01 | 2025-11-25 12:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID number provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. ein - Buyer-11/XX/2025 <br>Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Borrowing Entity Tax ID number provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | MD | Investment | Purchase | NA | 6269413 | N/A | N/A |
| 645 | XX | XX |  |  | Closed | 2025-11-19 01:51 | 2025-11-25 13:03 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. New York pamphlet and Initial Disclosure<br> - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/25/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | NY | Investment | Purchase | NA | 6299456 | N/A | N/A |
| 648 | XX | XX |  |  | Closed | 2025-11-19 08:25 | 2025-11-19 08:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/19/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 6302818 | Investor Post-Close | No |
| 651 | XX | XX |  |  | Closed | 2025-12-05 10:11 | 2025-12-16 15:59 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Photo ID with valid expiration received, finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Borrower photo ID expiration date is 02-XX-2033 and note is dated 11-XX-2025. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please rereview the ID. The issue date is 03/XX/25 with an expiration date of 02/XX/2033 - Buyer-12/XX/2025 <br>Open-Borrower photo ID expiration date is 03-XX-2025 and note is dated 11-XX-2025. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Photo ID with valid expiration received, finding resolved. - Due Diligence Vendor-12/16/2025 <br>Resolved-Borrower photo ID expiration date is 02-XX-2033 and note is dated 11-XX-2025. - Due Diligence Vendor-12/16/2025<br>| XX |  |  | NJ | Investment | Purchase | NA | 6503887 | N/A | N/A |
| 655 | XX | XX |  |  | Closed | 2025-11-17 00:50 | 2025-11-25 13:08 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Commitment provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Title Document is missing - Due Diligence Vendor-11/XX/2025 |  | Resolved-Title Commitment provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | SC | Investment | Purchase | NA | 6267143 | N/A | N/A |
| 657 | XX | XX |  |  | Closed | 2025-11-18 12:34 | 2025-11-19 15:26 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/18/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6292341 | Investor Post-Close | No |
| 659 | XX | XX |  |  | Closed | 2025-11-23 17:26 | 2025-12-04 10:36 | Resolved | 1 - Information | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received 2nd month bank statement for asset. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please find additional documents for the assets attached. - Buyer-12/XX/2025 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Lender's guidelines require 2 months of account statements; however, only one month provided. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received 2nd month bank statement for asset. Finding Resolved. - Due Diligence Vendor-12/04/2025 <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-12/04/2025<br>| XX |  |  | IN | Investment | Purchase | NA | 6356793 | N/A | N/A |
| 668 | XX | XX |  |  | Closed | 2025-12-15 06:07 | 2025-12-19 10:55 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached econsent. - Buyer-12/XX/2025 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-12/XX/2025 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/19/2025<br>| XX |  |  | IN | Primary Residence | Purchase | NA | 6620060 | N/A | N/A |
| 680 | XX | XX |  |  | Closed | 2025-12-04 07:09 | 2025-12-11 12:52 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Received the full Initial package sent to the borrower dated 09/XX/2025 which included the "What Mortgage Applicants Need to Know" disclosure. e-signature date of 09/XX/2025. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-12/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Disclosure provided. - Due Diligence Vendor-12/11/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6480771 | N/A | N/A |
| 684 | XX | XX |  |  | Closed | 2025-11-15 05:00 | 2025-12-01 13:29 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Initial Disclosure with NY Pamphlet<br> - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-12/01/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-12/01/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6263108 | N/A | N/A |
| 686 | XX | XX |  |  | Closed | 2025-11-25 17:18 | 2025-11-25 17:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/25/2025<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6391615 | Investor Post-Close | No |
| 692 | XX | XX |  |  | Closed | 2025-11-13 13:06 | 2025-11-14 11:03 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Subject property is a unique property type - Log Home. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/XX/2025 |  | Waived-Subject property is a unique property type - Log Home. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/14/2025<br>|  |  | -comps #1 and #4 are log cabins <br> -75% LTV <br> - Marketability supported | WA | Investment | Purchase | NA | 6242999 | Originator Pre-Close | Yes |
| 692 | XX | XX |  |  | Closed | 2025-11-14 10:54 | 2025-11-14 10:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2025<br>|  |  |  | WA | Investment | Purchase | NA | 6255447 | Investor Post-Close | No |
| 694 | XX | XX |  |  | Closed | 2025-11-29 16:49 | 2025-12-15 16:03 | Resolved | 1 - Information | Compliance | Mavent | HighCost: Fees | Resolved-Received invoice with split fee. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please appraisal invoice with fee split to investor. - Buyer-12/XX/2025 <br>Open-The loan fees ($9,937.50) exceed the (MD2014) High Cost fee limit, which is ($9,576.75), the difference is ($360.75). Fees included= Appraisal - paid to affiliate, Discount & Origination. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received invoice with split fee. Condition cleared. - Due Diligence Vendor-12/15/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/15/2025<br>| XX |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 6422475 | N/A | N/A |
| 699 | XX | XX |  |  | Closed | 2025-11-24 09:22 | 2026-02-02 15:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Guideline requirement for 6 mths Subject PITI and 2 mths Other Property PITI reserves was documents and supported by assets provided. - Due Diligence Vendor-12/XX/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. reserve requirement is 6 mos for subject property and 2 mos for each retained. see asset calc sheet attached. <br> final CD shows cash from borrower of $270K <br> So $350,881 verified less $270K = $80K left over and reserves needed were for $66K - Buyer-12/XX/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-11/XX/2025 |  | Resolved-Guideline requirement for 6 mths Subject PITI and 2 mths Other Property PITI reserves was documents and supported by assets provided. - Due Diligence Vendor-12/04/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/04/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6362091 | N/A | N/A |
| 699 | XX | XX |  |  | Closed | 2025-11-24 09:22 | 2025-12-04 10:10 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $77223.05 is equal to or greater than Total Required Reserve Amount of $65891.58 - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. reserve requirement is 6 mos for subject property and 2 mos for each retained. see asset calc sheet attached. <br> final CD shows cash from borrower of $270K <br> So $350,881 verified less $270K = $80K left over and reserves needed were for $66K - Buyer-12/XX/2025 <br>Open-Total Qualified Assets for Reserves Post-Close of $45223.05 is less than Total Required Reserve Amount of $92502.1 - Due Diligence Vendor-11/XX/2025 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $77223.05 is equal to or greater than Total Required Reserve Amount of $65891.58 - Due Diligence Vendor-12/04/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6362090 | N/A | N/A |
| 699 | XX | XX |  |  | Closed | 2025-11-24 10:06 | 2025-12-04 10:03 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 8.35 month(s) are greater than or equal to Guideline Required Reserves of 8 month(s) - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. reserve requirement is 6 mos for subject property and 2 mos for each retained. see asset calc sheet attached. <br> final CD shows cash from borrower of $270K <br> So $350,881 verified less $270K = $80K left over and reserves needed were for $66K - Buyer-12/XX/2025 <br>Open-Audited Reserves of 4.89 month(s) are less than Guideline Required Reserves of 10 month(s) - Due Diligence Vendor-11/XX/2025 |  | Resolved-Audited Reserves of 8.35 month(s) are greater than or equal to Guideline Required Reserves of 8 month(s) - Due Diligence Vendor-12/04/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | 6363057 | N/A | N/A |
| 701 | XX | XX |  |  | Closed | 2025-12-05 07:36 | 2025-12-08 10:44 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/05/2025<br>|  |  |  | CO | Second Home | Refinance | No Cash Out - Borrower Initiated | 6500728 | Originator Pre-Close | Yes |
| 708 | XX | XX |  |  | Closed | 2025-12-04 08:19 | 2025-12-04 08:19 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/04/2025<br>|  |  |  | UT | Investment | Purchase | NA | 6481817 | Investor Post-Close | No |
| 712 | XX | XX |  |  | Closed | 2025-11-26 10:40 | 2025-12-02 11:58 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Required documentation received. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. POA - Buyer-12/XX/2025 <br>Open-Loan closed with Borrower 1 acting as a Power of Attorney for Borrower 2. File is missing the Power of Attorney documentation. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Required documentation received. - Due Diligence Vendor-12/02/2025<br>| XX |  |  | FL | Investment | Purchase | NA | 6402366 | N/A | N/A |
| 712 | XX | XX |  |  | Closed | 2025-11-26 10:20 | 2025-11-26 10:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/26/2025<br>|  |  |  | FL | Investment | Purchase | NA | 6401656 | Investor Post-Close | No |
| 715 | XX | XX |  |  | Closed | 2025-11-14 08:01 | 2025-12-01 12:58 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. coc - Buyer-11/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Points on 10/XX/25 LE, $8209 increased to $9317.26 on 10/XX/2025 CD. No Change of Circumstance was located in the file. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-12/01/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2025<br>| XX |  |  | FL | Primary Residence | Purchase | NA | 6251361 | N/A | N/A |
| 715 | XX | XX |  |  | Closed | 2025-11-14 08:01 | 2025-12-01 12:58 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. coc - Investor-11/XX/2025 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Points on 10/XX/25 LE, $8209 increased to $9317.26 on 10/XX/2025 CD. No Change of Circumstance was located in the file. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-12/01/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2025<br>| XX |  | The Loan Estimate, dated (XX/XX/XXXX), reflects a Loan Amount (Points) of ($8209). (Final / Post-Closing) CD dated XX/XX/XXXX) reflects a Loan Amount (Points) of ($9,317.26). | FL | Primary Residence | Purchase | NA | 6251360 | N/A | N/A |
| 729 | XX | XX |  |  | Closed | 2025-11-16 23:53 | 2025-11-25 12:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Operating Agreement provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Operating Agreement - Buyer-11/XX/2025 <br>Open-The loan file is missing an operating agreement or other documentation to verify ownership. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Operating Agreement provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | MD | Investment | Refinance | Cash Out - Other | 6266861 | N/A | N/A |
| 729 | XX | XX |  |  | Closed | 2025-11-16 23:04 | 2025-11-25 12:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Good Standing - Investor-11/XX/2025 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Evidence of Good Standing provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | MD | Investment | Refinance | Cash Out - Other | 6266610 | N/A | N/A |
| 729 | XX | XX |  |  | Closed | 2025-11-16 23:19 | 2025-11-25 12:43 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Final Title Policy provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Title Policy - Seller-11/XX/2025 <br>Open-Title Document is missing - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. Title Policy - Seller-11/24/2025<br>| Resolved-Final Title Policy provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | MD | Investment | Refinance | Cash Out - Other | 6266686 | N/A | N/A |
| 730 | XX | XX |  |  | Closed | 2025-12-15 12:36 | 2026-02-02 18:02 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Pre-consummation lender approved exception in the file. - Due Diligence Vendor-02/XX/2026 <br>Waived- - Due Diligence Vendor-02/XX/2026 <br>Acknowledged-Housing History Does Not Meet Guideline Requirements FTHB with no housing history, living rent free at his place of business. Pre-consummation lender approved exception in the file. - Due Diligence Vendor-12/XX/2025 |  | Waived-Pre-consummation lender approved exception in the file. - Due Diligence Vendor-02/03/2026 <br>Acknowledged-Housing History Does Not Meet Guideline Requirements FTHB with no housing history, living rent free at his place of business. Pre-consummation lender approved exception in the file. - Due Diligence Vendor-12/15/2025<br>|  |  | Min FICO 644, Max DTI 45% Max LTV 80% Min Reserves 75K. | TX | Primary Residence | Purchase | NA | 6628866 | Originator Pre-Close | Yes |
| 730 | XX | XX |  |  | Seller | 2025-12-10 06:11 | 2026-02-02 13:32 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Counter-Received copy of policy that went into effect 3 days after disbursement date, the original policy that was in the file. Finding remains. - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached goosehead policy, which is now cancelled. - Buyer-01/XX/2026 <br>Counter-Condition not resolved. Received the new insurance policy and the email from the insurance agent stating when the prior insurance policy was cancelled. Please provide a copy of the hazard insurance policy that was in force when the loan closed (now cancelled). - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Document Uploaded. Borrower cancelled the policy and obtained new coverage on 12-XX-25. Please see attached. - Buyer-01/XX/2026 <br>Open-Hazard Insurance Effective Date of 11-XX-2025 is after the Note Date of 11-XX-2025 - Due Diligence Vendor-12/XX/2025 |  |  | XX |  |  | TX | Primary Residence | Purchase | NA | 6562706 | N/A | N/A |
| 750 | XX | XX |  |  | Closed | 2025-11-04 00:13 | 2025-12-02 14:48 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Updated policy shows effective date matching to subject loan closing date. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Hazard Insurance Effective Date of 10-XX-2025 is prior to or equal to the Note Date of 10-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Please advise what is needed to clear this one. The premium is less on the updated policy. - Buyer-12/XX/2025 <br>Counter-Please provide Hazard Insurance Policy with dates and premium that match the final documents in the loan file or evidence the loan did not disburse until the date on the Hazard Insurance Policy in the loan file. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Please advise what will be accepted to clear this one. - Buyer-11/XX/2025 <br>Counter-Hazard Insurance Policy provided does not match the premium amount paid on the Final CD; condition remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached policy. - Buyer-11/XX/2025 <br>Open-Hazard Insurance Effective Date of 10-XX-2025 is after the Note Date of 10-XX-2025 Funding date is 10/XX/2025. Hazard insurance must be effective on or prior to funding date of 10/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Updated policy shows effective date matching to subject loan closing date. - Due Diligence Vendor-12/02/2025 <br>Resolved-Hazard Insurance Effective Date of 10-XX-2025 is prior to or equal to the Note Date of 10-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/02/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | 6109442 | N/A | N/A |
| 751 | XX | XX |  |  | Closed | 2025-11-19 07:30 | 2025-11-19 07:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/19/2025<br>|  |  |  | OR | Investment | Purchase | NA | 6301778 | Investor Post-Close | No |
| 753 | XX | XX |  |  | Closed | 2025-12-01 10:53 | 2025-12-04 14:07 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-Confirmed borrower owner of property on XXXX; therefore, borrower is not a first time homebuyer. Finding resolved. - Due Diligence Vendor-12/XX/2025 <br> Ready for Review-Borrower is not a first-time homebuyer. Borrower has majority ownership (85%) in an LLC that owns a single-family residence xx since July 2024. - Buyer-12/XX/2025 <br> Open-Transaction is ineligible due to first time homebuyers are not allowed per lender's guidelines. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Confirmed borrower owner of property on xx; therefore, borrower is not a first time homebuyer. Finding resolved. - Due Diligence Vendor-12/04/2025 |  |  |  | PA | Investment | Purchase | NA | 6430074 | N/A | N/A |
| 755 | XX | XX |  |  | Closed | 2025-12-04 09:18 | 2025-12-12 10:58 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-12/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-12/XX/2025 |  | Resolved-Disclosure provided. - Due Diligence Vendor-12/12/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6483138 | N/A | N/A |
| 758 | XX | XX |  |  | Closed | 2025-12-02 08:12 | 2025-12-09 12:54 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-12/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Disclosure provided. - Due Diligence Vendor-12/09/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | 6443734 | N/A | N/A |
| 758 | XX | XX |  |  | Closed | 2025-12-02 13:18 | 2025-12-02 13:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/02/2025<br>|  |  |  | NY | Primary Residence | Purchase | NA | 6452378 | Investor Post-Close | No |
| 760 | XX | XX |  |  | Closed | 2025-11-17 14:20 | 2025-11-19 13:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/17/2025<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6279084 | Investor Post-Close | No |
| 762 | XX | XX |  |  | Closed | 2025-12-15 06:39 | 2025-12-15 06:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/15/2025<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 6620293 | Investor Post-Close | No |
| 769 | XX | XX |  |  | Closed | 2025-12-14 08:30 | 2025-12-14 08:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/14/2025<br>|  |  |  | UT | Primary Residence | Purchase | NA | 6615985 | Investor Post-Close | No |
| 770 | XX | XX |  |  | Closed | 2025-11-19 09:05 | 2025-12-15 09:18 | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Audited Assets of $55852.8 are greater than Guideline Required Assets of $50000. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Received updated Lender exception with 50K required reserves. Audited Assets of $55852.8 are greater than Guideline Required Assets of $50000. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see Asset WS showing required post-closing reserves of $50k per SLE (exception) attached. - Buyer-12/XX/2025 <br>Open-Audited Assets of $55852.8 are less than Guideline Required Assets of $75000. The minimum reserves per the housing history exception approval are $75,000. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Audited Assets of $55852.8 are greater than Guideline Required Assets of $50000. - Due Diligence Vendor-12/15/2025 <br>Resolved-Received updated Lender exception with 50K required reserves. Audited Assets of $55852.8 are greater than Guideline Required Assets of $50000. - Due Diligence Vendor-12/12/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | 6303806 | N/A | N/A |
| 770 | XX | XX |  |  | Closed | 2025-11-21 20:03 | 2025-12-12 10:06 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated.<br>- Due Diligence Vendor-12/XX/2025 <br>Open-Lender provided approved exception dated prior to consummation. Status to be Waived when required reserves condition is satisfied. - Due Diligence Vendor-11/XX/2025 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated.<br>- Due Diligence Vendor-12/12/2025<br>|  |  | 703 FICO, DTI < 35%, $50,000 Reserves, 75% LTV | TX | Primary Residence | Purchase | NA | 6351440 | Originator Pre-Close | Yes |
| 770 | XX | XX |  |  | Closed | 2025-12-12 10:04 | 2025-12-12 10:05 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $55852.8 is equal to or greater than Total Required Reserve Amount of $50000 - Due Diligence Vendor-12/XX/2025 <br>Open-Total Qualified Assets for Reserves Post-Close of $55852.8 is less than Total Required Reserve Amount of $75000 - Due Diligence Vendor-12/XX/2025 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $55852.8 is equal to or greater than Total Required Reserve Amount of $50000 - Due Diligence Vendor-12/12/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6602499 | N/A | N/A |
| 788 | XX | XX |  |  | Closed | 2025-12-04 11:22 | 2025-12-09 14:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Received Business Purpose & Occupancy Affidavit esigned by borrower 11/XX/2025 - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Business Purpose Certificates are attached. - Buyer-12/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/08/2025<br>| XX |  |  | LA | Investment | Purchase | NA | 6487085 | N/A | N/A |
| 789 | XX | XX |  |  | Closed | 2025-11-26 11:35 | 2025-12-16 07:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Received fully executed Business Purpose Affidavit. Finding resolved. - Due Diligence Vendor-12/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Buyer-12/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Received fully executed Business Purpose Affidavit. Finding resolved. - Due Diligence Vendor-12/05/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-12/05/2025<br>| XX |  |  | MI | Investment | Purchase | NA | 6403779 | N/A | N/A |
| 796 | XX | XX |  |  | Closed | 2025-12-04 06:11 | 2025-12-11 15:13 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-12/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-12/XX/2025 |  | Resolved-Disclosure provided. - Due Diligence Vendor-12/11/2025<br>| XX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 6480282 | N/A | N/A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 8 | XX |  |  | XX | Loan Type | the1003Page | Conventional | 1 | Audit Value Pulled From 1008. |
| 27 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 80 | 79.99 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 27 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 80 | 79.99 | Audit Value of Subject Lien / Qualifying Value |
| 40 | XX |  |  | XX | Property City | notePage | XX | XX | Audit Value Pulled From Note. |
| 89 | XX |  |  | XX | Qualifying CLTV | propertyValuationPage | 59.02 | 59.01 | Rounding. |
| 89 | XX |  |  | XX | Qualifying LTV | propertyValuationPage | 59.02 | 59.01 | Rounding. |
| 134 | XX |  |  | XX | Property Zip Code | notePage | XX | XX | Audit Value Pulled From Note. |
| 141 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value pulled from appraisal |
| 276 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 282 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal. |
| 290 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from 1008. |
| 292 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 318 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 321 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 350 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 379 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 392 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value pulled rom Appraisal |
| 429 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 431 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 433 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 445 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 449 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 452 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 457 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 459 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 461 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 467 | XX |  |  | XX | Property City | notePage | XX | XX | Audit value pulled from documents located in the loan file. |
| 480 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 493 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 499 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 520 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value pulled from Appraisal. |
| 523 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from documents located in the loan file. |
| 525 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 530 | XX |  |  | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 532 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 558 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 570 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 576 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 593 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 597 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 634 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 638 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 640 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 643 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 647 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 651 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 655 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 659 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 669 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 693 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 709 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 742 | XX |  |  | XX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal. |
| 746 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 747 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 753 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from documents located in the loan file. |
| 763 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 767 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 773 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from documents located in the loan file. |
| 777 | XX |  |  | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value pulled from Appraisal. |
| 794 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **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 DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 2 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8473.66 | Yes | Employed |  | No |  | Yes | Present |
| 5 | XX |  |  | XX | 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 |
| 6 | XX |  |  | XX | 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 |
| 7 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10350.87 | N/A | Employed |  | No |  | Yes | Present |
| 8 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.617 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7045.98 | Yes | Employed | Employed | No | No | No |  |
| 13 | XX |  |  | XX | 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 |
| 14 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.622 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12843.86 | N/A | Employed | Not Employed | No | No | No |  |
| 16 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 17 | XX |  |  | XX | 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 |
| 18 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.464 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5762.38 | N/A | Not Employed |  | No |  | No |  |
| 19 | XX |  |  | XX | 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 |
| 20 | XX |  |  | XX | 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 |
| 23 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11755.12 | N/A | Employed |  | No |  | Yes | Present |
| 25 | XX |  |  | XX | 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 |
| 27 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3733.02 | N/A | Employed |  | No |  | No |  |
| 31 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10973.2 | N/A | Employed |  | No |  | No |  |
| 33 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 34 | XX |  |  | XX | 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 |
| 35 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.424 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10123.03 | N/A | Employed |  | No |  | No |  |
| 37 | XX |  |  | XX | 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 |
| 39 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1573.13 | N/A | Employed |  | No |  | No |  |
| 40 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21101.11 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 41 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12859.11 | N/A | Employed |  | No |  | Yes | Present |
| 43 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.426 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55838.62 | N/A | Employed |  | No |  | No |  |
| 44 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7886.58 | N/A | Employed |  | No |  | No |  |
| 46 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 48 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.668 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 113721.82 | N/A | Employed |  | No |  | No |  |
| 49 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 50 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.047 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5699.23 | N/A | Employed |  | No |  | No |  |
| 51 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30122.92 | N/A | Employed | Employed | No | No | No |  |
| 53 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 54 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25202.01 | N/A | Employed |  | No |  | No |  |
| 56 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 56933.28 | N/A | Employed |  | No |  | Yes | Present |
| 57 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 59 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 61 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10679.42 | N/A | Employed |  | No |  | No |  |
| 62 | XX |  |  | XX | 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 |
| 64 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26149.54 | N/A | Employed | Employed | No | No | No |  |
| 65 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19700 | N/A | Employed | Retired | No | No | No |  |
| 67 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9100.46 | N/A | Employed | Employed | No | No | No |  |
| 69 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11225.51 | N/A | Employed |  | No |  | Yes | Present |
| 70 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.614 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6410.71 | N/A | Retired | Retired | No | No | No |  |
| 73 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 55925.66 | Yes | Employed |  | No |  | Yes | Present |
| 78 | XX |  |  | XX | 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 |
| 84 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29653.49 | N/A | Not Employed | Employed | No | No | No |  |
| 85 | XX |  |  | XX | 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 |
| 88 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34826.77 | N/A | Employed | Employed | No | No | Yes | Present |
| 89 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.955 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9459.28 | N/A | Not Employed | Not Employed | No | No | No |  |
| 91 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.643 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18622.99 | N/A | Not Employed |  | No |  | No |  |
| 92 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 93 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 94 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 108 | XX |  |  | XX | 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 |
| 109 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 75322.07 | N/A | Employed |  | No |  | No |  |
| 110 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47851.79 | N/A | Employed |  | No |  | No |  |
| 113 | XX |  |  | XX | 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 |
| 117 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.913 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 69465.91 | N/A | Employed |  | No |  | No |  |
| 120 | XX |  |  | XX | 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 |
| 122 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 152383.67 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 127 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.024 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13052.63 | N/A | Employed | Employed | No | No | No |  |
| 129 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.169 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15535.65 | N/A | Not Employed | Employed | No | No | No |  |
| 130 | XX |  |  | XX | 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 |
| 132 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47721.73 | N/A | Not Employed | Employed | No | No | No |  |
| 133 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 134 | XX |  |  | XX | 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 |
| 136 | XX |  |  | XX | 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 |
| 140 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 141 | XX |  |  | XX | 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 |
| 148 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26317 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 153 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.135 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13755.86 | N/A | Retired | Retired | No | No | No |  |
| 160 | XX |  |  | XX | 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 |
| 169 | XX |  |  | XX | 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 |
| 171 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21830.94 | N/A | Employed | Employed | No | No | Yes | Present |
| 172 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4475.37 | N/A | Employed |  | No |  | Yes | Present |
| 173 | XX |  |  | XX | 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 |
| 176 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5926.04 | N/A | Retired | Retired | No | No | No |  |
| 186 | XX |  |  | XX | 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 |
| 192 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 195 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.554 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28172.57 | N/A | Employed |  | No |  | No |  |
| 199 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.852 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66517.59 | N/A | Employed |  | No |  | No |  |
| 206 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7086.06 | N/A | Employed |  | No |  | Yes | Present |
| 208 | XX |  |  | XX | 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 |
| 216 | XX |  |  | XX | 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 |
| 221 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 229 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 237 | XX |  |  | XX | 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 |
| 251 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.494 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12589.26 | N/A | Employed | Employed | No | No | No |  |
| 253 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21064.96 | N/A | Employed |  | No |  | Yes | Present |
| 254 | XX |  |  | XX | 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 |
| 255 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 257 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5523.2 | N/A | Retired | Employed | No | No | Yes | Present |
| 258 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 45126.6 | N/A | Employed | Employed | No | No | Yes | Present |
| 259 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13909.69 | N/A | Employed | Employed | No | No | Yes | Present |
| 263 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 85569.46 | N/A | Employed |  | No |  | Yes | Present |
| 264 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11401.73 | N/A | Employed | Employed | No | No | Yes | Present |
| 265 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.443 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7706.92 | N/A | Employed |  | No |  | No |  |
| 266 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.589 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7945.93 | N/A | Employed |  | No |  | No |  |
| 269 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 271 | XX |  |  | XX | 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 |
| 272 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.154 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10828.14 | N/A | Employed | Employed | No | No | No |  |
| 273 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.595 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49078.09 | N/A | Retired |  | No |  | No |  |
| 275 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.532 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80853.21 | N/A | Employed |  | No |  | No |  |
| 276 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 278 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 279 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.051 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7181.41 | N/A | Employed | Employed | No | No | No |  |
| 280 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 282 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 287 | XX |  |  | XX | 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 |
| 288 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11413.21 | N/A | Employed |  | No |  | No |  |
| 290 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 286786 | N/A | Employed |  | No |  | Yes | Present |
| 291 | XX |  |  | XX | 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 |
| 292 | XX |  |  | XX | 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 |
| 296 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35967.76 | N/A | Employed |  | No |  | No |  |
| 297 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.544 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11449.05 | N/A | Employed |  | No |  | No |  |
| 299 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 300 | XX |  |  | XX | 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 |
| 301 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 302 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.958 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2395.24 | N/A | Employed |  | No |  | No |  |
| 304 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8075.76 | N/A | Employed |  | No |  | No |  |
| 306 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.942 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6490.31 | N/A | Employed |  | No |  | No |  |
| 307 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9433.83 | N/A | Employed | Employed | No | No | No |  |
| 308 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 312 | XX |  |  | XX | 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 |
| 314 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.094 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10293.66 | N/A | Employed |  | No |  | No |  |
| 316 | XX |  |  | XX | 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 |
| 317 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.648 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43335.81 | N/A | Retired |  | No |  | No |  |
| 318 | XX |  |  | XX | 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 |
| 319 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.747 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37136.11 | N/A | Retired |  | No |  | No |  |
| 321 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 324 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.567 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29160.08 | N/A | Employed |  | No |  | No |  |
| 325 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11159.57 | N/A | Employed |  | No |  | No |  |
| 326 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.524 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15365.15 | N/A | Employed |  | No |  | No |  |
| 327 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.115 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33410.64 | N/A | Employed |  | No |  | No |  |
| 329 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 330 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.966 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 146366.93 | N/A | Employed |  | No |  | No |  |
| 331 | XX |  |  | XX | 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 |
| 332 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 333 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 336 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8903.76 | N/A | Employed | Employed | No | No | No |  |
| 339 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.906 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59985.33 | N/A | Employed |  | No |  | No |  |
| 341 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.214 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6249.84 | N/A | Employed |  | No |  | No |  |
| 343 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 158296.5 | N/A | Employed | Employed | No | No | No |  |
| 344 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.303 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22866.82 | N/A | Employed | Employed | No | No | No |  |
| 346 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.337 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 74665.89 | N/A | Employed | Employed | No | No | No |  |
| 348 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5402.74 | N/A | Employed |  | No |  | No |  |
| 349 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30078.98 | N/A | Employed |  | No |  | No |  |
| 350 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 351 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12843.92 | Yes | Employed |  | No |  | No |  |
| 353 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23770.01 | N/A | Employed |  | No |  | No |  |
| 354 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 202493.37 | N/A | Employed | Not Employed | No | No | No |  |
| 356 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2671.1 | N/A | Employed | Retired | No | No | No |  |
| 359 | XX |  |  | XX | 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 |
| 360 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 363 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.648 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4751.42 | N/A | Employed |  | No |  | No |  |
| 364 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 367 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4550.85 | N/A | Employed |  | No |  | No |  |
| 369 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4111.14 | N/A | Employed |  | No |  | No |  |
| 370 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 372 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37603.89 | N/A | Employed |  | No |  | Yes | Present |
| 373 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 374 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22162.81 | N/A | Employed |  | No |  | No |  |
| 375 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.498 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19040.02 | N/A | Employed |  | No |  | No |  |
| 376 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.911 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11265.14 | N/A | Employed | Employed | No | No | No |  |
| 378 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.091 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6732.57 | N/A | Employed |  | No |  | No |  |
| 379 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 385 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.518 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7471.77 | N/A | Employed |  | No |  | No |  |
| 388 | XX |  |  | XX | 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 |
| 392 | XX |  |  | XX | 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 |
| 395 | XX |  |  | XX | 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 |
| 396 | XX |  |  | XX | 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 |
| 398 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 399 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80153.8 | N/A | Employed |  | No |  | No |  |
| 400 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9472.35 | N/A | Retired | Employed | No | No | No |  |
| 401 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22101.55 | N/A | Employed |  | No |  | No |  |
| 403 | XX |  |  | XX | 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 |
| 404 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13834.1 | N/A | Employed |  | No |  | No |  |
| 405 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 408 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25472.98 | N/A | Employed | Employed | No | No | No |  |
| 409 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8678 | N/A | Employed |  | No |  | No |  |
| 410 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6383.76 | N/A | Employed |  | No |  | No |  |
| 413 | XX |  |  | XX | 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 |
| 414 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19944.48 | N/A | Employed |  | No |  | No |  |
| 415 | XX |  |  | XX | 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 |
| 417 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.615 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10933.13 | Yes | Employed |  | No |  | No |  |
| 418 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 419 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.36 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34983.12 | N/A | Employed | Employed | No | No | No |  |
| 420 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 113369.55 | N/A | Employed |  | No |  | No |  |
| 422 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.568 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15826.31 | N/A | Employed | Employed | No | No | No |  |
| 423 | XX |  |  | XX | 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 |
| 425 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 146274.05 | N/A | Employed |  | No |  | No |  |
| 426 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5704.83 | N/A | Employed |  | No |  | Yes | Present |
| 428 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.526 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15096.47 | N/A | Employed |  | No |  | No |  |
| 429 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 50929.5 | N/A | Employed |  | No |  | Yes | Present |
| 430 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2727.44 | N/A | Retired | Retired | No | No | No |  |
| 431 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.559 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 84321.91 | N/A | Employed | Employed | No | No | No |  |
| 432 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.61 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5369.41 | N/A | Retired |  | No |  | No |  |
| 433 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2114.04 | N/A | Employed |  | No |  | Yes | Present |
| 434 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 41189.01 | Yes | Employed |  | No |  | Yes | Present |
| 435 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11572.96 | N/A | Retired | Employed | No | No | No |  |
| 437 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15853.8 | N/A | Employed |  | No |  | No |  |
| 439 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8205.1 | N/A | Employed |  | No |  | No |  |
| 440 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19527.92 | N/A | Not Employed | Employed | No | No | No |  |
| 441 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.849 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1583.1 | N/A | Employed |  | No |  | No |  |
| 442 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.731 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10509.63 | N/A | Employed |  | No |  | No |  |
| 443 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.863 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16988.14 | N/A | Retired |  | No |  | No |  |
| 444 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.252 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7140.51 | N/A | Employed |  | No |  | No |  |
| 445 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14906.81 | N/A | Employed |  | No |  | Yes | Present |
| 446 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.701 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17360.23 | N/A | Employed | Employed | No | No | No |  |
| 447 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 449 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12094.77 | N/A | Employed |  | No |  | Yes | Present |
| 450 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.209 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42017.92 | N/A | Employed |  | No |  | No |  |
| 452 | XX |  |  | XX | 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 |
| 453 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8456.67 | N/A | Employed |  | No |  | No |  |
| 454 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6096.2 | N/A | Not Employed | Employed | No | No | No |  |
| 455 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.212 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 251110.34 | N/A | Employed |  | No |  | No |  |
| 456 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.066 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26014.93 | N/A | Employed | Employed | No | No | No |  |
| 457 | XX |  |  | XX | 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 |
| 459 | XX |  |  | XX | 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 |
| 460 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6912.44 | N/A | Employed |  | No |  | No |  |
| 461 | XX |  |  | XX | 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 |
| 463 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.593 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7527.82 | N/A | Employed |  | No |  | No |  |
| 467 | XX |  |  | XX | 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 |
| 468 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17484.06 | N/A | Employed |  | No |  | No |  |
| 469 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.13 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22511.45 | N/A | Retired | Retired | No | No | No |  |
| 470 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.289 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 190698.14 | N/A | Employed |  | No |  | No |  |
| 471 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 472 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 474 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 477 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 25181 | N/A | Employed | Employed | No | No | Yes | Present |
| 478 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.201 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37720.47 | N/A | Employed | Employed | No | No | No |  |
| 479 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9118.02 | N/A | Retired | Employed | No | No | Yes | Present |
| 480 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.844 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 376662.79 | N/A | Employed |  | No |  | No |  |
| 481 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14047.03 | N/A | Employed |  | No |  | No |  |
| 485 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 487 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24278.68 | N/A | Employed |  | No |  | No |  |
| 488 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.107 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5062.55 | N/A | Employed | Employed | No | No | No |  |
| 491 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 41902.49 | N/A | Employed |  | No |  | Yes | Present |
| 492 | XX |  |  | XX | 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 |
| 493 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46996 | Yes | Employed | Employed | No | No | No |  |
| 496 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.224 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8693.71 | N/A | Employed | Employed | No | No | No |  |
| 498 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.16 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3730.58 | N/A | Employed |  | No |  | No |  |
| 499 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 501 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 227975.28 | N/A | Employed |  | No |  | No |  |
| 503 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4498.78 | N/A | Employed |  | No |  | No |  |
| 504 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.585 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6630.3 | N/A | Employed | Employed | No | No | No |  |
| 505 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.49 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 73047.45 | N/A | Employed |  | No |  | No |  |
| 506 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 507 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.295 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3289.86 | N/A | Employed |  | No |  | No |  |
| 509 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.715 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11693.89 | Yes | Employed |  | No |  | No |  |
| 510 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2438.4 | N/A | Employed |  | No |  | No |  |
| 511 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6697.4 | N/A | Employed |  | No |  | No |  |
| 513 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 515 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.315 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54394.33 | N/A | Employed |  | No |  | No |  |
| 516 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7652.35 | N/A | Employed |  | No |  | No |  |
| 517 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24430.44 | N/A | Employed |  | No |  | No |  |
| 520 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.493 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4287.26 | N/A | Employed |  | No |  | No |  |
| 521 | XX |  |  | XX | 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 |
| 522 | XX |  |  | XX | 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 |
| 523 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 525 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17318.26 | N/A | Employed |  | No |  | No |  |
| 526 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 529 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 530 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.351 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 61788.4 | N/A | Employed | Not Employed | No | No | No |  |
| 531 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3657.8 | N/A | Employed | Employed | No | No | No |  |
| 532 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 533 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 535 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 537 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 539 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.637 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65466.16 | N/A | Employed | Employed | No | No | No |  |
| 541 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 542 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.194 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5319.92 | N/A | Employed | Employed | No | No | No |  |
| 543 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.056 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26862.19 | N/A | Employed |  | No |  | No |  |
| 544 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6612.66 | N/A | Employed |  | No |  | No |  |
| 547 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 551 | XX |  |  | XX | 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 |
| 554 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.913 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12999.81 | N/A | Employed |  | No |  | No |  |
| 555 | XX |  |  | XX | 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 |
| 556 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.731 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33702.39 | N/A | Employed |  | No |  | No |  |
| 558 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.549 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50666.4 | N/A | Employed | Employed | No | No | No |  |
| 561 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 563 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.608 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10313.51 | N/A | Employed |  | No |  | No |  |
| 564 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28971.84 | N/A | Employed |  | No |  | No |  |
| 565 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7049.26 | N/A | Employed |  | No |  | No |  |
| 567 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28188.76 | N/A | Employed | Employed | No | No | Yes | Present |
| 570 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 572 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.3 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 74817.02 | N/A | Employed | Not Employed | No | No | No |  |
| 575 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.88 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 64681.21 | N/A | Employed |  | No |  | No |  |
| 576 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 578 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 126210.67 | N/A | Employed |  | No |  | Yes | Present |
| 579 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.689 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17002.76 | N/A | Employed | Employed | No | No | No |  |
| 580 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 237759.96 | N/A | Employed |  | No |  | No |  |
| 581 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.428 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12084.76 | N/A | Employed |  | No |  | No |  |
| 583 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 584 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22071.76 | N/A | Employed |  | No |  | No |  |
| 585 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.22 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6369.38 | N/A | Employed |  | No |  | No |  |
| 589 | XX |  |  | XX | 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 |
| 592 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 593 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 595 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34582.43 | N/A | Employed | Retired | No | No | No |  |
| 596 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 597 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3398.11 | N/A | Employed |  | No |  | Yes | Present |
| 598 | XX |  |  | XX | 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 |
| 600 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3087.3 | N/A | Employed |  | No |  | No |  |
| 601 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.429 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11745.94 | N/A | Employed |  | No |  | No |  |
| 602 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.583 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5464.49 | N/A | Employed |  | No |  | No |  |
| 603 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.224 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17827.2 | N/A | Employed |  | No |  | No |  |
| 606 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.307 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10194.72 | N/A | Employed |  | No |  | No |  |
| 607 | XX |  |  | XX | 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 |
| 610 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.465 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8322.06 | N/A | Employed |  | No |  | No |  |
| 611 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8617.07 | N/A | Employed |  | No |  | No |  |
| 613 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.497 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25595.86 | N/A | Retired |  | No |  | No |  |
| 616 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 619 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.236 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 181095 | N/A | Employed |  | No |  | No |  |
| 620 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.776 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19821.95 | N/A | Retired |  | No |  | No |  |
| 622 | XX |  |  | XX | 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 |
| 623 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.717 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2807.1 | N/A | Retired | Retired | No | No | No |  |
| 624 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 210590.42 | N/A | Employed |  | No |  | Yes | Present |
| 625 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.778 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3165.85 | N/A | Employed |  | No |  | No |  |
| 626 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 628 | XX |  |  | XX | 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 |
| 629 | XX |  |  | XX | 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 |
| 631 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.8 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1099579.36 | N/A | Employed |  | No |  | No |  |
| 633 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2789.15 | N/A | Employed |  | No |  | No |  |
| 634 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 635 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.542 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11435.23 | N/A | Employed | Employed | No | No | No |  |
| 636 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 638 | XX |  |  | XX | 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 |
| 640 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18150.88 | N/A | Employed |  | No |  | No |  |
| 641 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.847 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24154.2 | N/A | Employed |  | No |  | No |  |
| 643 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 644 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 645 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 39723.59 | N/A | Employed |  | No |  | Yes | Present |
| 646 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29904.2 | N/A | Employed |  | No |  | Yes | Present |
| 647 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6494.85 | N/A | Employed |  | No |  | No |  |
| 648 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18360.06 | N/A | Employed |  | No |  | No |  |
| 651 | XX |  |  | XX | 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 |
| 652 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.154 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4394.45 | N/A | Employed |  | No |  | No |  |
| 654 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 655 | XX |  |  | XX | 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 |
| 657 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6319.08 | N/A | Employed |  | No |  | No |  |
| 658 | XX |  |  | XX | 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 |
| 659 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 660 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 663 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 664 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.722 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30563.94 | N/A | Employed | Employed | No | No | No |  |
| 666 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.426 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34988.07 | N/A | Employed | Not Employed | No | No | No |  |
| 668 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 101044.33 | N/A | Employed |  | No |  | No |  |
| 669 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 673 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13956.81 | N/A | Employed | Employed | No | No | No |  |
| 676 | XX |  |  | XX | 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 |
| 679 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9537.08 | N/A | Employed |  | No |  | No |  |
| 680 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7539.77 | Yes | Employed | Retired | No | No | No |  |
| 683 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 684 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15876.93 | N/A | Employed | Employed | No | No | No |  |
| 686 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7099.06 | N/A | Employed |  | No |  | No |  |
| 687 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 689 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 108076.42 | N/A | Employed |  | No |  | No |  |
| 692 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 59234.59 | N/A | Employed |  | No |  | Yes | Present |
| 693 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 694 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9463.96 | N/A | Not Employed | Employed | No | No | No |  |
| 695 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 699 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15149.11 | N/A | Employed | Employed | No | No | No |  |
| 701 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.284 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7612.25 | N/A | Employed |  | No |  | No |  |
| 705 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.665 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4551.61 | N/A | Employed | Employed | No | No | No |  |
| 706 | XX |  |  | XX | 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 |
| 708 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14461.62 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 709 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 711 | XX |  |  | XX | 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 |
| 712 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 32738.83 | N/A | Employed | Employed | No | No | Yes | Present |
| 713 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 75454.29 | N/A | Employed |  | No |  | Yes | Present |
| 715 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.667 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5887.29 | N/A | Employed | Retired | No | No | No |  |
| 717 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23094.33 | N/A | Employed |  | No |  | No |  |
| 718 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.546 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26626.5 | N/A | Employed |  | No |  | No |  |
| 721 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 148868.24 | N/A | Employed |  | No |  | Yes | Present |
| 723 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5956.51 | N/A | Employed |  | No |  | No |  |
| 725 | XX |  |  | XX | 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 |
| 726 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.333 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4843.56 | N/A | Employed |  | No |  | No |  |
| 727 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.588 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3826.53 | N/A | Employed | Employed | No | No | No |  |
| 728 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.253 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 62100.87 | N/A | Employed |  | No |  | No |  |
| 729 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 730 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9677.32 | N/A | Employed |  | No |  | No |  |
| 733 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 740 | XX |  |  | XX | 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 |
| 741 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15370.63 | N/A | Employed |  | No |  | Yes | Present |
| 742 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 743 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21831.06 | N/A | Employed |  | No |  | Yes | Present |
| 746 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 747 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 749 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 750 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60724.28 | N/A | Employed |  | No |  | No |  |
| 751 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22477.79 | N/A | Not Employed |  | No |  | Yes | Present |
| 753 | XX |  |  | XX | 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 |
| 754 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 755 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24673.4 | N/A | Employed |  | No |  | No |  |
| 757 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.557 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13648.48 | N/A | Employed |  | No |  | No |  |
| 758 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.451 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38098.76 | N/A | Employed |  | No |  | No |  |
| 759 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.058 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28363.74 | Yes | Employed | Employed | No | No | No |  |
| 760 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.381 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 117269.51 | N/A | Employed |  | No |  | No |  |
| 762 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9189.84 | N/A | Employed |  | No |  | No |  |
| 763 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.82 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4508.99 | N/A | Employed |  | No |  | No |  |
| 767 | XX |  |  | XX | 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 |
| 768 | XX |  |  | XX | 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 |
| 769 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.839 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36995.77 | N/A | Employed |  | No |  | No |  |
| 770 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.125 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 102870.46 | N/A | Not Employed | Employed | No | No | No |  |
| 772 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17150.8 | N/A | Employed | Employed | No | No | Yes | Present |
| 773 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 777 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 778 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10760.91 | N/A | Employed | Not Employed | No | No | No |  |
| 781 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 782 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 787 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.913 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2294.67 | N/A | Retired |  | No |  | No |  |
| 788 | XX |  |  | XX | 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 |
| 789 | XX |  |  | XX | 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 |
| 793 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.222 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18046.45 | N/A | Employed |  | No |  | No |  |
| 794 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 796 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8489.27 | N/A | Employed |  | No |  | No |  |
| 797 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6530.44 | Yes | Employed | Employed | No | No | No |  |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_002.jpg)

![](ex99-5_001.jpg)

**February 03, 2026<br> Due Diligence Narrative Report**

![](ex99-5_002.jpg)

**Table of Contents**

---

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

---

 ****

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 1 February 03, 2026

 ****

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-5_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex99-5_003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of NewRez LLC, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 74 residential loans. Rithm Capital Corp. subsequently selected these loans for the NRMLT 2026-NQM3 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from September 2025 to December 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 42 | 56.76% |
| &nbsp;&nbsp;Correspondent Flow with delegated underwriting | 31 | 41.89% |
| &nbsp;&nbsp;Retail | 1 | 1.35% |
| &nbsp;&nbsp;**Total** | **74** | **100.00%** |

---

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 2 February 03, 2026

![](ex99-5_002.jpg)

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;74 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;74 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;71 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;74 |

---

Loan Grading

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

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

![](ex99-5_004.jpg)

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 3 February 03, 2026

![](ex99-5_002.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 74 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (74 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (74 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;· 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;· 1004 / 1025 / 1073

For further detail please refer to the NRMLT 2026-NQM3 Valuations Summary Report

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 4 February 03, 2026

![](ex99-5_002.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 71 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

- Prepayment Penalty restrictions; and

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

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

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

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 5 February 03, 2026

![](ex99-5_002.jpg)

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

<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;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 6 February 03, 2026

![](ex99-5_002.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 74 reviewed loans, by completing the following steps:

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

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

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

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

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

Data Capture

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

**data Compare Results**

Clayton provided Rithm Capital Corp. with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 74 loans reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 17 | 77.03% |
| &nbsp;&nbsp;Documentation Type | 13 | 82.43% |
| &nbsp;&nbsp;First Payment Date | 1 | 98.65% |
| &nbsp;&nbsp;Loan Purpose | 2 | 97.30% |
| &nbsp;&nbsp;Original Appraised Value | 3 | 95.95% |
| &nbsp;&nbsp;Origination Date | 4 | 94.59% |
| &nbsp;&nbsp;Property Type | 15 | 79.73% |
| &nbsp;&nbsp;Seller Loan Number | 14 | 81.08% |

---

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 7 February 03, 2026

![](ex99-5_002.jpg)

**Clayton Due Diligence Results**

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 39 | 2 | 15 | 18 | **74** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **39** | **2** | **15** | **18** | **74** |

---

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 47 |  | 13 | 14 | **74** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **47** | **0** | **13** | **14** | **74** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 68 |  | 3 | 3 | **74** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **68** | **0** | **3** | **3** | **74** |

---

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 8 February 03, 2026

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 64 | 2 | 3 | 2 | **71** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **64** | **2** | **3** | **2** | **71** |

---

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 9 February 03, 2026

![](ex99-5_002.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;▪ 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;▪ 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;▪ Tax returns

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

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

&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;▪ 1099

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 10 February 03, 2026

![](ex99-5_002.jpg)

&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;▪ Bank statements

&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;▪ Award letters

&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;▪ Verification of deposits (VOD)

&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;▪ 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;▪ Gift funds

&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;▪ 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;▪ 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;▪ Fee simple

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 11 February 03, 2026

![](ex99-5_002.jpg)

&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;▪ Correct loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

&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

E. Performed a DSCR review following the origination guidelines to arrive at a monthly property expense. This number is used as the denominator
to the monthly lease or estimated lease income. Clayton reviewed the applicable documentation and data to arrive at this ratio, including:

&nbsp;&nbsp;&nbsp;&nbsp;o Principal and interest payment

&nbsp;&nbsp;&nbsp;&nbsp;o Property taxes

&nbsp;&nbsp;&nbsp;&nbsp;o Insurance

&nbsp;&nbsp;&nbsp;&nbsp;o HOA payments

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 12 February 03, 2026

![](ex99-5_002.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:

- 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's certification is present and executed within the original appraisal.

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 13 February 03, 2026

![](ex99-5_002.jpg)

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;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant occupancy

- Physical condition of the property was reviewed to determine that the property condition was average or better

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met
the client supplied eligibility requirements. Examples of ineligible property types may include:

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

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

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

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

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

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

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

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 14 February 03, 2026

![](ex99-5_002.jpg)

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

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 15 February 03, 2026

![](ex99-5_002.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)

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 16 February 03, 2026

![](ex99-5_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

&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.

&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.

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 17 February 03, 2026

![](ex99-5_002.jpg)

&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.

&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.

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 18 February 03, 2026

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

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

---

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

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

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

---

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

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

&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).

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 19 February 03, 2026

![](ex99-5_002.jpg)

**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 mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 20 February 03, 2026

![](ex99-5_002.jpg)

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

NRMLT 2026-NQM3 Due Diligence Narrative Report Page \| 21 February 03, 2026

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *74* | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |
| *Loans In Report:* |  | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Value** | **Variance Amount** | **Variance (%)** | **AVM FSD** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** | **Unique ID** |
| 9 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | -5.93% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 15 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 28 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 45 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 55 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 74 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 79 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 82 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 83 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | -10.47% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | XX/XX/XXXX | XXXX | XXXX | -1.70% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 86 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 97 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 98 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 101 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | -8.37% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 102 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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 | XXXX |
| 103 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 104 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 105 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 106 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 114 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 116 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 123 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 124 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 126 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 131 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | XX/XX/XXXX | XXXX | XXXX | -2.19% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 135 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 137 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 138 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 139 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 1025 Multi-Fam (Mar 05) | XX/XX/XXXX | XXXX | XXXX | 9.09% | (No Data) | XXXX |
| 142 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 144 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 146 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 147 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 149 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 150 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 156 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 157 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 158 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 165 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 167 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 170 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 174 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 178 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 179 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 182 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 185 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 1073 Condo (Mar 05) | XX/XX/XXXX | XXXX | XXXX | 0.00% | (No Data) | XXXX |
| 188 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 189 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 190 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 191 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 203 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 204 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 205 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 212 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.74% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 213 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | -8.43% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 215 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 218 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 220 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 224 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 226 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 230 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 232 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 234 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | -4.17% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 236 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 238 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 239 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 240 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | -0.51% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 242 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 243 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 244 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 245 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 246 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 247 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |
| 248 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | XX/XX/XXXX | XXXX | XXXX | 5.90% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XXXX |
| 249 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $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) | XXXX |

---

*The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com*

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

**ATR QM Upload**

<br> *Loans in Report:* *74*

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 |
| Dummy ID | **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** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **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** | **Unique ID** |
| 9 | XXXX | XXXX | XXXX | XXXX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 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 | 8.1794 | No | No | 1.516 | (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) | -17572.03 | 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 | 4100.00 | No | (No Data) | 1.1200 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 15 | XXXX | XXXX | XXXX | XXXX | SC | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8780 | Yes | Yes | 1.248 | 1.248 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.82 | 34.19 | 38.82 | 34.19 | 34.19 | 34.19 | No | No | (No Data) | 4798.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 28 | XXXX | XXXX | XXXX | XXXX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9225 | Yes | No | 3.642 | (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 | 40.59 | 0 | 40.59 | 40.59 | 40.59 | (No Data) | (No Data) | (No Data) | 11570.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 45 | XXXX | XXXX | XXXX | XXXX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Condotel | 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 | 7.3422 | Yes | No | 1.544 | (No Data) | No | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.64 | 0 | 40.64 | 40.64 | 40.64 | (No Data) | (No Data) | (No Data) | 11884.96 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 55 | XXXX | XXXX | XXXX | XXXX | OH | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.4716 | Yes | No | 2.874 | (No Data) | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 31.9 | 0 | 31.9 | 31.9 | 31.9 | (No Data) | (No Data) | (No Data) | 3377.15 | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 74 | XXXX | XXXX | XXXX | XXXX | MO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.5713 | No | No | 2.8 | (No Data) | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.84 | 0 | 49.84 | 49.84 | 49.84 | (No Data) | (No Data) | (No Data) | 2964.02 | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 79 | XXXX | XXXX | XXXX | XXXX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.0245 | Yes | No | 0.235 | (No Data) | No | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.35 | 0 | 37.35 | 37.35 | 37.35 | (No Data) | (No Data) | (No Data) | 57998.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 82 | XXXX | XXXX | XXXX | XXXX | NY | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3817 | No | No | 0.157 | 1.172 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.81 | 46.17 | 46.81 | 46.17 | 46.17 | 46.17 | No | No | (No Data) | 29852.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | 13 | XX/XX/XXXX | 77 | XX/XX/XXXX | 42 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 83 | XXXX | XXXX | XXXX | XXXX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.1366 | No | No | 1.157 | (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 | 46.95 | 0 | 46.95 | 46.95 | 46.95 | (No Data) | (No Data) | (No Data) | 22102.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 86 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0695 | Yes | Yes | 0.686 | 0.686 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.6 | 26.05 | 26.6 | 26.05 | 26.05 | 26.05 | No | No | (No Data) | 32599.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 97 | XXXX | XXXX | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3507 | Yes | Yes | 3.446 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.78 | 28.78 | 28.78 | 28.78 | 28.78 | 28.78 | Yes | Yes | Yes | 13491.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 98 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Permanent Resident Alien | Permanent Resident Alien | (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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.9650 | No | No | 2.128 | (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 | 46.31 | 0 | 46.31 | 46.31 | 46.31 | (No Data) | (No Data) | (No Data) | 10521.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) | XXXX |
| 101 | XXXX | XXXX | XXXX | XXXX | MI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 8.3053 | No | No | 2.485 | (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) | -5903.38 | 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 | No | (No Data) | Yes | 1740.00 | 1.1690 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 102 | XXXX | XXXX | XXXX | XXXX | TX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1910 | Yes | Yes | 0.998 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 10.4 | 10.4 | 10.4 | 10.4 | 10.4 | 10.4 | No | No | (No Data) | 58732.24 | 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 | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 103 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5175 | Yes | Yes | 0.14 | 0.140 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.87 | 42.11 | 39.87 | 42.11 | 42.11 | 42.11 | No | No | (No Data) | 15369.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 104 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | 7.2337 | No | No | 2.231 | (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 | 37.33 | 0 | 37.33 | 37.33 | 37.33 | (No Data) | (No Data) | (No Data) | 20466.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 105 | XXXX | XXXX | XXXX | XXXX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Permanent Resident Alien | (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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.9383 | Yes | No | 0.268 | (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 | 40.69 | 0 | 40.69 | 40.69 | 40.69 | (No Data) | (No Data) | (No Data) | 23680.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) | XXXX |
| 106 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | Permanent Resident Alien | (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 | 6.7482 | Yes | No | 1.119 | (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 | 34.99 | 0 | 34.99 | 34.99 | 34.99 | (No Data) | (No Data) | (No Data) | 22242.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 34 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 34 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | XXXX |
| 114 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7397 | No | No | 1.069 | (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 | 46.88 | 0 | 46.88 | 46.88 | 46.88 | (No Data) | (No Data) | (No Data) | 10921.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 116 | XXXX | XXXX | XXXX | XXXX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1231 | No | No | 0.391 | (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 | 49.26 | 0 | 49.26 | 49.26 | 49.26 | (No Data) | (No Data) | (No Data) | 20545.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 123 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0064 | No | No | 0.788 | 0.871 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.99 | 49.93 | 49.99 | 49.93 | 49.93 | 49.93 | No | Yes | Yes | 8344.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) | XXXX |
| 124 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.6444 | No | No | 4.479 | (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) | -2027.26 | 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) | 1.4300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 126 | XXXX | XXXX | XXXX | XXXX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Exempt | 1 | 7.6376 | Yes | No | 2.548 | (No Data) | No | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.91 | 0 | 41.91 | 41.91 | 41.91 | (No Data) | (No Data) | (No Data) | 9682.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 131 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.5152 | No | No | 1.873 | (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) | -1525.53 | 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 | 1850.00 | No | (No Data) | 1.2120 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 135 | XXXX | XXXX | XXXX | XXXX | NV | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.9733 | No | No | 4.566 | (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) | -5558.97 | 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 | 1795.00 | No | (No Data) | 1.0100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 137 | XXXX | XXXX | XXXX | XXXX | UT | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6290 | Yes | Yes | 0.259 | 0.259 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.5 | 25.39 | 30.5 | 25.39 | 25.39 | 25.39 | No | No | (No Data) | 24763.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 138 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.9061 | Yes | No | 1.724 | (No Data) | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 35.54 | 0 | 35.54 | 35.54 | 35.54 | (No Data) | (No Data) | (No Data) | 17687.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 139 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | 2 Family | 2 | 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 | 6.3860 | Yes | No | 0.074 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.96 | 40.99 | 44.96 | 40.99 | 40.99 | 40.99 | No | No | (No Data) | 23457.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 142 | XXXX | XXXX | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.1235 | Yes | Yes | 3.152 | 3.152 | (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 | 15.51 | 15.6 | 15.51 | 15.6 | 15.6 | 15.6 | No | No | (No Data) | 56569.93 | 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 | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | 7 | XX/XX/XXXX | 63 | XX/XX/XXXX | 60 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 144 | XXXX | XXXX | XXXX | XXXX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.3123 | Yes | No | 1.909 | (No Data) | No | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.91 | 0 | 30.91 | 30.91 | 30.91 | (No Data) | (No Data) | (No Data) | 35361.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 146 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0081 | Yes | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.31 | 19.08 | 19.31 | 16.91 | 16.91 | 16.91 | No | No | (No Data) | 49558.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 147 | XXXX | XXXX | XXXX | XXXX | PA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.5422 | Yes | No | 1.342 | (No Data) | No | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 25.98 | 0 | 25.98 | 25.98 | 25.98 | (No Data) | (No Data) | (No Data) | 23401.62 | 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) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 149 | XXXX | XXXX | XXXX | XXXX | CO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Permanent Resident Alien | (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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.9113 | Yes | No | 1.373 | (No Data) | No | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.31 | 0 | 34.31 | 34.31 | 34.31 | (No Data) | (No Data) | (No Data) | 7809.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) | XXXX |
| 150 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8912 | No | No | 0.28 | 0.280 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.31 | 43.31 | 43.31 | 43.31 | 43.31 | 43.31 | No | No | (No Data) | 13678.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 156 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | 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 | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.8967 | Yes | No | 3.145 | (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 | 38.66 | 0 | 38.66 | 38.66 | 38.66 | (No Data) | (No Data) | (No Data) | 15544.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 9 | Yes | Borrower | 9 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 157 | XXXX | XXXX | XXXX | XXXX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.3270 | No | No | 2.944 | (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) | -5448.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1975.00 | No | (No Data) | 1.1700 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 158 | XXXX | XXXX | XXXX | XXXX | NY | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2800 | Yes | Yes | 2.885 | 2.800 | (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 | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.97 | 36.25 | 35.97 | 36.25 | 36.25 | 36.25 | No | No | (No Data) | 6894.08 | 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 | 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 Only - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 165 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8975 | No | No | 6.25 | (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) | -6559.71 | 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 | 5000.00 | No | (No Data) | 0.6900 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 167 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6707 | No | No | 0.21 | (No Data) | No | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 45.28 | 0 | 45.28 | 45.28 | 45.28 | (No Data) | (No Data) | (No Data) | 10525.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | XXXX |
| 170 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3947 | Yes | Yes | 0.133 | 0.299 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.78 | 36.73 | 37.78 | 36.73 | 36.73 | 36.73 | No | No | (No Data) | 32689.44 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 174 | XXXX | XXXX | XXXX | XXXX | CT | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7082 | No | No | 9.064 | (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) | -4162.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4250.00 | No | (No Data) | 1.4329 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 178 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2336 | No | No | 0.826 | (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 | 47.05 | 0 | 47.05 | 47.05 | 47.05 | (No Data) | (No Data) | (No Data) | 8963.85 | 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 | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 179 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4054 | Yes | Yes | 0.168 | 0.168 | (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 | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 11.87 | 10.57 | 11.87 | 10.57 | 10.57 | 10.57 | No | No | (No Data) | 330909.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 182 | XXXX | XXXX | XXXX | XXXX | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0712 | Yes | Yes | 1.942 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.62 | 23.52 | 23.62 | 23.52 | 23.52 | 23.52 | No | No | (No Data) | 116395.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 185 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2835 | Yes | Yes | 1.131 | 1.131 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.19 | 37.13 | 34.19 | 37.13 | 37.13 | 37.13 | No | No | (No Data) | 21900.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 188 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.6253 | Yes | No | 0.851 | (No Data) | No | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.27 | 0 | 41.27 | 41.27 | 41.27 | (No Data) | (No Data) | (No Data) | 51523.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 189 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9104 | Yes | No | 1.494 | (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 | 18.25 | 0 | 18.25 | 18.25 | 18.25 | (No Data) | (No Data) | (No Data) | 138645.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 190 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9056 | Yes | No | 1.635 | (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 | 18.25 | 0 | 18.25 | 18.25 | 18.25 | (No Data) | (No Data) | (No Data) | 138651.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 191 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8165 | Yes | No | 2.647 | (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 | 40.65 | 0 | 40.65 | 40.65 | 42.52 | (No Data) | (No Data) | (No Data) | 9031.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 203 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.6178 | Yes | No | 0.905 | (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 | 28.68 | 0 | 28.68 | 28.68 | 28.68 | (No Data) | (No Data) | (No Data) | 27680.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 204 | XXXX | XXXX | XXXX | XXXX | AZ | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7265 | No | No | 1.952 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.08 | 48.3 | 48.08 | 48.3 | 48.3 | 48.3 | No | No | (No Data) | 6137.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 205 | XXXX | XXXX | XXXX | XXXX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.9800 | Yes | No | 2.039 | (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 | 41.86 | 0 | 41.86 | 41.86 | 41.86 | (No Data) | (No Data) | (No Data) | 16651.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 212 | XXXX | XXXX | XXXX | XXXX | WA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9670 | No | No | 0.808 | 0.808 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.16 | 49.69 | 48.16 | 49.69 | 49.69 | 49.69 | No | No | (No Data) | 9900.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 213 | XXXX | XXXX | XXXX | XXXX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.0529 | Yes | No | 1.431 | (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 | 20.68 | 0 | 20.68 | 20.68 | 20.68 | (No Data) | (No Data) | (No Data) | 49172.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 215 | XXXX | XXXX | XXXX | XXXX | WA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (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 | No | (No Data) | (No Data) | No | Exempt | 1 | 6.7609 | Yes | No | 0.86 | (No Data) | No | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.09 | 0 | 38.09 | 38.09 | 38.09 | (No Data) | (No Data) | (No Data) | 17613.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 218 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.9247 | Yes | No | 1.701 | (No Data) | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.47 | 0 | 32.47 | 32.47 | 32.47 | (No Data) | (No Data) | (No Data) | 17495.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 220 | XXXX | XXXX | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.8675 | No | No | 2.036 | 2.036 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.86 | 49.86 | 49.86 | 49.86 | 49.86 | 49.86 | No | No | (No Data) | 9989.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) | XXXX |
| 224 | XXXX | XXXX | XXXX | XXXX | OR | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.4372 | No | No | 6.701 | (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) | -7380.5 | 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 | 3250.00 | No | (No Data) | 1.0433 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 226 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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) | Yes | Yes | 1 | 7.8345 | No | No | 4.342 | (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) | -1279.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 1900.00 | 1.4840 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 230 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1894 | No | No | 7.742 | (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) | -4924.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 1.3740 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 232 | XXXX | XXXX | XXXX | XXXX | PA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.9310 | Yes | No | 1.492 | (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 | 20.34 | 0 | 20.34 | 20.34 | 20.34 | (No Data) | (No Data) | (No Data) | 19936.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 234 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 6.9354 | Yes | No | 1.655 | (No Data) | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 28.84 | 0 | 28.84 | 28.84 | 28.84 | (No Data) | (No Data) | (No Data) | 12634.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> Award Letter - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 236 | XXXX | XXXX | XXXX | XXXX | WV | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.5373 | Yes | Yes | 2.378 | 2.378 | (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 | 13.54 | 14.61 | 13.54 | 14.61 | 14.61 | 14.61 | No | No | (No Data) | 41531.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 238 | XXXX | XXXX | XXXX | XXXX | FL | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1591 | Yes | Yes | 2.687 | 2.687 | (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) | 5.38 | 4.31 | 5.38 | 4.31 | 4.31 | 4.31 | No | No | (No Data) | 60679.02 | 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 | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 239 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0360 | Yes | No | 1.408 | (No Data) | No | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.41 | 0 | 41.41 | 41.41 | 41.41 | (No Data) | (No Data) | (No Data) | 6134.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 240 | XXXX | XXXX | XXXX | XXXX | ME | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9486 | No | No | 2.309 | 2.309 | (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 | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.69 | 46.38 | 46.69 | 46.38 | 46.38 | 46.38 | No | No | (No Data) | 3324.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 242 | XXXX | XXXX | XXXX | XXXX | CO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5383 | Yes | No | 1.378 | (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 | 22.75 | 0 | 22.75 | 22.75 | 22.75 | (No Data) | (No Data) | (No Data) | 20615.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 243 | XXXX | XXXX | XXXX | XXXX | FL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 6 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7183 | No | No | 6.143 | (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) | -1674.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.1940 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 244 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5940 | No | Yes | 0.208 | 0.208 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | Yes | -9569.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 245 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9200 | Yes | No | 3.283 | 3.283 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.9 | 38.49 | 49.9 | 38.49 | 38.49 | 38.49 | No | No | (No Data) | 19535.29 | Yes | 240 | No | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 12 months | Award Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 246 | XXXX | XXXX | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8216 | Yes | Yes | 0.379 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.03 | 25.03 | 25.03 | 21.97 | 21.97 | 21.97 | Yes | Yes | Yes | 36336.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 247 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4874 | No | No | 0.795 | 0.795 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.47 | 43.69 | 47.47 | 43.69 | 43.69 | 43.69 | No | No | (No Data) | 12965.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 248 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5893 | Yes | Yes | 0.93 | 0.930 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.47 | 22.85 | 24.47 | 22.85 | 22.85 | 22.85 | No | No | (No Data) | 173199.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |
| 249 | XXXX | XXXX | XXXX | XXXX | ID | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | 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 | No | (No Data) | (No Data) | No | Yes | 1 | 7.1629 | Yes | No | 1.459 | (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 | 39.74 | 0 | 39.74 | 39.74 | 39.74 | (No Data) | (No Data) | (No Data) | 12743.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXX |

---

<br>©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 99.5

**Exhibit 99.5 Schedule 3**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *74* |
| ***Loans with Conditions:*** | *35* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **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** | **Unique Id** |
| 9 | XXXX | XXXX | IL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA based on the XX/XX/XXXX appraisal. | 10/24 Client provided a CDA for XX/XX/XXXX appraisal Condition remains for CDA based on the XX/XX/XXXX appraisal.10/29 Client asked for a review; upon escalation by Clayton DR UW, the CDA of the 2nd appraisal is not required | Satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years at current residence | XXXX |
| 15 | XXXX | XXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Provide the gift letter for $50,000 and the source of funds. | 11/6 Client provided evidence of Funds and Wire to Title with executed gift letter | satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.19% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.7 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years | XXXX |
| 15 | XXXX | XXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide a gift letter for $50,000 and source of funds. | 11/6 Client provided evidence of Funds and Wire to Title with executed gift letter | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.19% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.7 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years | XXXX |
| 15 | XXXX | XXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the ATR Disclosure and the Borrower's Affirmation to Establish ATR. | 10/30 Client provided the executed ATR disclosure | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.19% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.7 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years | XXXX |
| 15 | XXXX | XXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit UW. | 10/30 Client provided the UW Cert | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.19% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.7 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years | XXXX |
| 15 | XXXX | XXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | Missing the FNMA and FHLMC UCDP scores | 10/15 Client provided a CU score 1.7 | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.19% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.7 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years | XXXX |
| 15 | XXXX | XXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Provide an updated valuation from an approved source | 10/15 Client provided a CU score of 1.7 supporting the appraisal | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.19% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.7 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years | XXXX |
| 28 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Missing asset documentation. Provide acceptable verification borrower had funds to close | 10/13 client provided additional assets | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 69 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.01% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 16.92 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 18 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 24 years | XXXX |
| 28 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient # of months cash reserves for PITI per guideline requirements | 10/13 client provided additional assets | SAtisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 69 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.01% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 16.92 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 18 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 24 years | XXXX |
| 28 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2304 | Unverified Assets | No | Missing asset documentation | 10/13 client provided additional assets | SAtisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 69 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.01% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 16.92 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 18 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 24 years | XXXX |
| 28 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the ATR Disclosure and the Borrower's Affirmation to Establish ATR signed by borrowers. | 10/13 client provided additional assets | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 69 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.01% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 16.92 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 18 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 24 years | XXXX |
| 28 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit UW. | 10/13 Client provided the ATR CERT signed by the credit UW | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 69 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.01% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 16.92 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 18 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 24 years | XXXX |
| 28 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's 1008. | 10/13 Client provided the 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 69 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.01% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 16.92 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 18 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 24 years | XXXX |
| 45 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Provide proof of flood insurance | 10/27 Client provided Master Flood ins | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.64% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 12 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 35 years | XXXX |
| 45 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit UW. | 10/29/2025 client provided ATR certification signed by credit UW. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.64% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 12 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 35 years | XXXX |
| 45 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS findings | 11/3 Client provided AUS findings | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.64% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 12 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 35 years | XXXX |
| 45 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | 10/29/2025 client provided UCDP scores. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.64% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 12 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 35 years | XXXX |
| 55 | XXXX | XXXX | OH | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 3 months for the subject and 2 months for the additional financed REO. Reserves on hand are 15.55 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 31.90% below guideline requirement of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 75% below guideline requirements of 85% | XXXX |
| 74 | XXXX | XXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 4.67 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 12.33 years | XXXX |
| 79 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit UW. | 11/14 Client provided the ATR cert signed by the UW | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.35% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8.67 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 3 months for the subject and 2 months for the additional REO. Reserves on hand are 55.08 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years | XXXX |
| 79 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing 1008. | 11/14 Client provided the 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.35% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8.67 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 3 months for the subject and 2 months for the additional REO. Reserves on hand are 55.08 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years | XXXX |
| 79 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS findings. If receiving an Approve/Eligible or Accept will need a reason a non-qm program was chosen. | 11/14 Client provided the DUAI | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.35% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8.67 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 3 months for the subject and 2 months for the additional REO. Reserves on hand are 55.08 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years | XXXX |
| 82 | XXXX | XXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Provide the HUD-1 for the sale of XXXX | 10/29 Client provided the HUD from sale of XXXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 76.28% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 83 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 46.17% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 32 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 23 years | XXXX |
| 82 | XXXX | XXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the Borrower's Affirmation to Establish ATR and the ATR Disclosures for B1 & B2. | 11/3 Client provided the ATR disclosure | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 76.28% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 83 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 46.17% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 32 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 23 years | XXXX |
| 82 | XXXX | XXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Provide ATR certification signed by credit UW. | 11/3 Client provided the signed UW Cert | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 76.28% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 83 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 46.17% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 32 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 23 years | XXXX |
| 82 | XXXX | XXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide the DU Approve/Ineligible. | 10/29 Client provided the DUAI | SAtisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 76.28% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 83 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 46.17% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 32 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 23 years | XXXX |
| 83 | XXXX | XXXX | NC | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing the following forms 1. XX Correspondent Ability to Repay Underwriting Certification 2. Notice to Borrower: Ability to Repay Disclosure3. Borrower Affirmation of Information Provided to Establish Ability to Repay ATR | 11/26 Client provided #2 and 3; Still missing #1 XX Correspondent Ability to Repay Underwriting Certification 12/1 Client provided the UW cert for #1 | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%. | XXXX |
| 86 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR Certification signed by credit UW. | 11/14 Client provided the signed ATR Cert | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 67.26% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 16 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 26.05% below guideline requirement of 50% | XXXX |
| 97 | XXXX | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Co-borrower receives bonus and OT income not used to qualify.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history | XXXX |
| 98 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Re-Verifications | Satisfied C A | CRDRVRFC1803 | Debts/Obligations that were not discl at origination revealed through independent re-verification | No | Missing evidence supporting taxes of $1565.78 for subject property | 11/5 Client provided email; On review the taxes used are for the primary residence DTI corrected | Satisfied | (No Data) | Not Applicable | (No Data) | XXXX |
| 101 | XXXX | XXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 47.81% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 56 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years | XXXX |
| 102 | XXXX | XXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file is missing a Borrower's Affirmation Cert signed by the borrower and the Ability to Repay Disclosure signed by the borrower. | 11/12 Client provided the ATR Cert | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 11%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit | XXXX |
| 103 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 42.11% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 4.5 years | XXXX |
| 104 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years in current profession | XXXX |
| 105 | XXXX | XXXX | IL | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing ATR Disclosure and Borrower's Affirmation to Establish ATR signed by borrower. | 11/19 Client provided the signed disclosure | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 740 max per guidelines is 720. | XXXX |
| 105 | XXXX | XXXX | IL | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit UW. | 11/12 Client provided the ATR disclosure signed by UW | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 740 max per guidelines is 720. | XXXX |
| 105 | XXXX | XXXX | IL | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS findings. If Approve/Eligible or Accept, guidelines require a LOE from borrower as to why a Non-QM program was chosen. | 11/12 Client provided the DUAI | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 740 max per guidelines is 720. | XXXX |
| 105 | XXXX | XXXX | IL | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Missing UCDP report | 11/12 Client provided the UCDP | SAtisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 740 max per guidelines is 720. | XXXX |
| 106 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 credit score exceeds the 720 minimum guideline requirement by 50 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $193,208 exceed the required reserves of $52,456 by $140,752. | XXXX |
| 114 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file is missing Notice to Borrower: The Ability to Repay Disclosure | 11/7 Client provided the executed disclosures | Satisfied | (No Data) | Not Applicable | (No Data) | XXXX |
| 116 | XXXX | XXXX | NC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | AUS findings are LP Accept. Per guidelines need reason why a Non-QM program was chosen. | 11/14 Client provided Borrower reason for Non QM | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 42 month mortgage payment history exceeds the 12 month minimum guideline requirement by 30 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $107,165 exceeds the minimum guideline requirement of $43,146 by $64,019. | XXXX |
| 123 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of change of circumstance letter for Ten Percent tolerance, Recording Fee increase or a copy of a refund check in the amount of $21.20. | 12/08/2025 Client provided Disbursement CD 12/XX with LOE and Final matching Alta/Settlement Statement. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 credit score exceeds the 700 minimum guideline requirement by 23 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $54,165 exceeds the $45,354 minimum guideline requirement by $8,811. | XXXX |
| 123 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 45% | No | Guideline requirements allow up to 50% DTI with sufficient residual income. Sufficient residual income is docuented. | (No Data) | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 credit score exceeds the 700 minimum guideline requirement by 23 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $54,165 exceeds the $45,354 minimum guideline requirement by $8,811. | XXXX |
| 123 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Borrower's start date and job title on the verbal VOE are not consistent with the information in the file. | 12/10 Client provided an 11/17 VVOE matching employment dates | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 credit score exceeds the 700 minimum guideline requirement by 23 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $54,165 exceeds the $45,354 minimum guideline requirement by $8,811. | XXXX |
| 123 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | UNABLE TO LOCATE UCD | 12/5 Client provided an Email that UCD is not required; Response, Loan is a first lien CO refi; 1004 appraisal, UCD is required12/XX Client provided an Email; Response, Provide the UCDP SSR reports for the appraisal 12.XX.2025 Client provided UCDP for Fannie and Freddie | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 credit score exceeds the 700 minimum guideline requirement by 23 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $54,165 exceeds the $45,354 minimum guideline requirement by $8,811. | XXXX |
| 124 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 36.73% below guideline requirements of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 25 years | XXXX |
| 126 | XXXX | XXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 47 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.91% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 4.5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7 75 years | XXXX |
| 131 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing secondary valuation requirement per guidelines. | 11/19 Client provided a second 1004 supporting the appraised value with a valuation of $XXXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 credit score exceeds the 660 guideline minimum requirement by 64 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% is 10% below the maximum guideline requirement of 85%. | XXXX |
| 135 | XXXX | XXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51.33% max per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing $37,062.10 or 20.88 months PITIA. Per guidelines 15 months required | XXXX |
| 137 | XXXX | XXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 25.39% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 9.83 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 25.33 years | XXXX |
| 138 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Missing gap of employment letter signed by Co-borrower. Gap of employment from 6/16/2023 to 3/02/2025. | 12/1 Client provided executed Borrower GAP letter | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 72.81% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 80 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 35.54% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 24 and 16 years for borrower's | XXXX |
| 139 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 59%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's credit score of 792 exceeds required minimum score. | XXXX |
| 142 | XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Unable to locate Ability to Repay (ATR) cert completed by underwriter per guidelines. | 10/31 Client provided the UW Cert | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 credit score exceeds the 700 minimum guideline requirement by 29 points.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 16% DTI is 29% below the maximum guideline requirement of 45%. | XXXX |
| 144 | XXXX | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 95 months exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 30.91% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5.17 years | XXXX |
| 146 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 44.61% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 17.91% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.75 years | XXXX |
| 147 | XXXX | XXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | (No Data) | XXXX |
| 149 | XXXX | XXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 29 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.06% below guideline requirement of 50% | XXXX |
| 150 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 72.09% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 39 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 43.31% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 32.08 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 37.08 years | XXXX |
| 156 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | AUS findings are LP Accept. Per guidelines need a reason why a Non-QM program was chosen. | 11/14 Client provided reason Borrower used Non QM | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 credit score exceeds the 720 minimum guideline requirement by 58 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is 5% below the maximum guideline requirement of 85%. | XXXX |
| 157 | XXXX | XXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing warranty/grant deed for purchase. | 10/24/2025 client provided Warranty Deed. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.30% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 5 years. | XXXX |
| 158 | XXXX | XXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Provide Affiliated Business Disclosure | 10/29/2025 Client provided a signed Attestation of no other Affiliates exist. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.25% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.47 years | XXXX |
| 158 | XXXX | XXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $10,175.20 due to Loan Amount Points increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 10/29/2025 Client provided COC 10/10 reflecting a loan Lock with 2.3 Points added to support the addition on the 10/10 LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.25% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.47 years | XXXX |
| 165 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage/rental payment history of 68 months exceeds guidelines of 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 793 exceeds guidelines of 720 | XXXX |
| 167 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide a P&L for the borrower's business entity. | 12/5 Client provided the P&L supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 82 moths exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 45.28% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8 years | XXXX |
| 167 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Provide a balance sheet for the borrower's business entity. | 12/5 Client provided the Bal Sheet supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 82 moths exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 45.28% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8 years | XXXX |
| 167 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit underwriter. | 11/13/2025 client provided ATR worksheet. XX has a separate ATR certification signed by credit UW. You can reach out to your contact at XX and they can provide the correct form. Condition remains.12/08/2025 client provided sign ATR certification. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 82 moths exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 45.28% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8 years | XXXX |
| 170 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on 11/XX/2025 with an expiration date of 11/XX/2025. Final CD dated XX/XX/XXXX reflects a disbursement date of XX/XX/XXXX. Disbursement date is before end of statutory rescission period. | 11/19/25 Client provided an LOE to borrower and updated XX/XX/XXXX PCCD with revised Disbursement Date of XX/XX/XXXX Condition remains. Per the signed Final ALTA in file, the loan Disbursed on XX/XX/XXXX (as reflected on the Consummation CD). Provide explanation for the XX/XX/XXXX date change on the PCCD and, if applicable, the fully executed signed/stamped Final ALTA/Settlement Statement confirming Disbursement did not occur until XX/XX/XXXX Client provided the Final Alta/ Settlement Statement matching CD XX/XX/XXXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 56.11% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.73% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.4 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 5.5 years | XXXX |
| 174 | XXXX | XXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $30,812.89 exceed required reserves of $17,795.94 | XXXX |
| 178 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75% max per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 800 max per guidelines is 720. | XXXX |
| 179 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit UW. | 12/9 Client provided the signed UW ATR Cert | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 25.74% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 10.57% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20.92 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.5 years | XXXX |
| 179 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Provide the UCDP | 12/11/2025 client provided UCDP scores. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 25.74% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 10.57% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20.92 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.5 years | XXXX |
| 182 | XXXX | XXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 11/14 Client provided a determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 20 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.52% max per guidelines is 45%. | XXXX |
| 185 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | LP finding are Accept. Need reason was a Non-QM program was selected per guidelines. | 12/1 Client provided a 1008 indicating loan was UW using a DUAI; response, file has only an LP accept provide the DUAI for review12/5 Client provided Accept Ineligible | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 79.18% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.13% below guideline requirement of 43%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.83 years | XXXX |
| 188 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.27% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17.92 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 23.25 years | XXXX |
| 189 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 756 max per guidelines is 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 18.25% max per guidelines is 50%. | XXXX |
| 190 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 18.25%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: score exceeds guidelines | XXXX |
| 191 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 63.84% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 42.52% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10.17 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 17.75 years | XXXX |
| 203 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 credit score exceeds the 720 minimum guideline requirement by 69 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $2,356,006 exceed the minimum guideline requirement of $165,585 by $2,190,421. | XXXX |
| 204 | XXXX | XXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no mortgage lates on the mortgage history<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years on current job | XXXX |
| 205 | XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 9 years in current profession | XXXX |
| 212 | XXXX | XXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 85% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9 years | XXXX |
| 213 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 credit score exceeds the 720 minimum guideline requirement by 38 points.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 11 years. | XXXX |
| 215 | XXXX | XXXX | WA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit UW. | 12.17.2025 Client provided executed by UW ATR Underwriting Certification worksheet | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.09% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 16 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 21.92 years | XXXX |
| 218 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Provide additional asset statements showing sufficient funds to offset the shortage of $180,077.47. | 12/2 Client provided an Email, on review file has sufficient assets with more than a 20% equity; per FNMA liquidation not required | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 32.47% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.75 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6 years | XXXX |
| 218 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | DU is Approve/Eligible. Missing reason why a Non-QM program was selected. | 12/2 Client provided a 1008 with the reason cites as NAL loan on investment property | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 32.47% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.75 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6 years | XXXX |
| 220 | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | (No Data) | XXXX |
| 224 | XXXX | XXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 30.89% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months | XXXX |
| 226 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 38% CLTV is 32% below the maximum guideline requirement of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit exceeds the 680 minimum guideline requirement by 35 points. | XXXX |
| 230 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 7 open tradelines for past 132 months 0/30. | XXXX |
| 232 | XXXX | XXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 57.69% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 20.34% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.83 years | XXXX |
| 234 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | AUS is Approve/Eligible. Need reason what a Non-QM program was chosen. | 10/10 Client provided LOX for reason NON QM chosen | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 28.84% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10.75 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 3 months for the subject and 2 months each for the remaining 2 financed REO's. Reserves on hand are 144.40 months. | XXXX |
| 236 | XXXX | XXXX | WV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 12/08/2025 Client provided a signed attestation of Lender having no Affiliates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 14.61% below guideline requirement of 50%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 5 years | XXXX |
| 238 | XXXX | XXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit UW. | 12/02/2025 client provided signed ATR certification. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 credit score exceeds the 720 minimum guideline requirement by 36 points.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 5% DTI is 38% below the maximum guideline requirement of 43%. | XXXX |
| 239 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.41% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 28.33 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.75 years | XXXX |
| 240 | XXXX | XXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | B | A B | B | A | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliated Business Disclosure | 12/16/2025 Client provided a signed LOE that Lender has no Affiliates and is not applicable to this loan. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 46.38% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.25 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 40.83 years | XXXX |
| 242 | XXXX | XXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.98% max per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 7 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 22.75 max per guidelines is 45%. | XXXX |
| 243 | XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 credit score exceeds the 680 minimum guideline requirement by 57 points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $204,539 exceed the minimum required reserves of $10,044 by $194,495. | XXXX |
| 244 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Unable to locate Underwriter ability to repay certification and Borrower 1 ability to repay affirmation. | 12.11.2025 Client provided executed by Lender Ability to Repay Underwriting Certification | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV is 20% below the maximum guideline requirement of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 credit score exceeds the 700 minimum guideline requirement by 52 points. | XXXX |
| 244 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This Condition is informational per Clayton Compliance department and TRID 2.0 revisions. Condition satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV is 20% below the maximum guideline requirement of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 credit score exceeds the 700 minimum guideline requirement by 52 points. | XXXX |
| 245 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender's ATR status determination. | 12/5 Client provided qm Determination NONQM points and fees | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 9 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been at current job for 32 years. | XXXX |
| 245 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 45% | No | Lender used asset depletion over 60 month instead of 240 months per the guideline requirement, which resulted in the DTI exceeding 45%. | 12/5 Client asked for a review; on review the property is a primary residence 60 months is allowed | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 9 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been at current job for 32 years. | XXXX |
| 246 | XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file is missing Borrowers Affirmation of Information Provided to Establish ATR signed by the borrower and ATR Certification signed by the underwriter. | 12/16/2025 client provided signed forms for Borrowers Affirmation of Information Provided to Establish ATR signed by the borrower and ATR Certification signed by the underwriter. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 25%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history | XXXX |
| 247 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 50 months exceeds guidelines of 12 months | XXXX |
| 248 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 59.16% below guideline requirements of 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 20.46% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 23 years | XXXX |
| 249 | XXXX | XXXX | ID | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing evidence supporting additional monthly income of $20,833.00 listed on application. Monthly income of $21,146.66 supported by paystub/W2. | 12.12.2025 Client provided updated 1008/1003 removing other income of $20,833 along with updated LP approval Submission #5 and now considering rental income for subject Investment property with updated DTI of 39.74%; small negative net considered in DTI and Comparable rent schedule provided within appraisal report that was used. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%. | XXXX |
| 249 | XXXX | XXXX | ID | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Ability to Repay Underwriting Certification signed by credit UW. | 12.12.2025 Client provided signed Ability to Repay Underwriting Certification signed by Credit UW | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%. | XXXX |
| 249 | XXXX | XXXX | ID | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | AUS findings is LP Accept. Need reason why a Non-QM program was selected per guidelines. | 12.12.2025 Client provided Lender LOX regarding we went with Jumbo and not Conventional due to better rates. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%. | XXXX |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *74* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** | **Unique ID** |
| 9 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 8.1794 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 15 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 1395 | 7/31/2025 | 7.878 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 28 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.9225 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 45 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.3422 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 55 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.4716 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 74 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.5713 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 79 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 6.0245 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 82 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 2290 | 8/5/2025 | 7.3817 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 83 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.1366 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 86 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 10000 | 9/23/2025 | 6.0695 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 97 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 4435.4 | 9/26/2025 | 7.3507 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 13491.8 | XXXX |
| 98 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.965 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 | XXXX |
| 101 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 8.3053 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 102 | XXXX | QM: Rebuttable Presumption (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 5049.95 | 9/26/2025 | 8.191 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 103 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 1955 | 10/8/2025 | 6.5175 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 104 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 7.2337 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 105 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 6.9383 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 106 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.7482 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 | XXXX |
| 114 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.7397 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 116 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 7.1231 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 123 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 7125 | 11/5/2025 | 7.0064 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 8345 | XXXX |
| 124 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.6444 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 126 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | Yes | No | 0 | 1/1/1900 | 7.6376 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 131 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.5152 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 135 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 6.9733 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 137 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 1905 | 10/6/2025 | 6.629 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 138 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | Yes | No | 0 | 1/1/1900 | 6.9061 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 139 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 1195 | 10/6/2025 | 6.386 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 142 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 35481.57 | 10/6/2025 | 7.1235 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 144 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 7.3123 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 146 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 10/9/2025 | 6.0081 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 147 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.5422 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 149 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.9113 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 150 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | Yes | Yes | 3270 | 10/8/2025 | 6.8912 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 156 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.8967 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 157 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.327 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 158 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 12365.2 | 10/10/2025 | 6.28 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 165 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.8975 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 167 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 6.6707 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 | XXXX |
| 170 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | Yes | Yes | 1295 | 10/14/2025 | 6.3947 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 174 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 7.7082 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 178 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 7.2336 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 179 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 1635 | 10/16/2025 | 6.4054 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 182 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 23615 | 10/16/2025 | 7.0712 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 185 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 13777 | 10/16/2025 | 6.2835 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 188 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.6253 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 189 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.9104 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 190 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.9056 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 191 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.8165 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 203 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.6178 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 204 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 6095 | 10/21/2025 | 6.7265 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 205 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.98 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 212 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 9112 | 10/24/2025 | 6.967 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 213 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.0529 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 215 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | Yes | No | 0 | 1/1/1900 | 6.7609 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 218 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | Yes | No | 0 | 1/1/1900 | 6.9247 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 220 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 12476.7 | 10/27/2025 | 8.8675 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | XXXX |
| 224 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.4372 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 226 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.8345 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 230 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 8.1894 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 232 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 6.931 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 234 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | Yes | No | 0 | 1/1/1900 | 6.9354 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 236 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 12506 | 11/5/2025 | 9.5373 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 238 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 7940.32 | 11/7/2025 | 7.1591 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 239 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 7.036 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 240 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 6893.99 | 11/10/2025 | 6.9486 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 242 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.5383 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |
| 243 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.7183 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XXXX |
| 244 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 1730 | 11/13/2025 | 6.594 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6467 | XXXX |
| 245 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 31809.58 | 11/12/2025 | 7.92 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 246 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 2704.63 | 10/17/2025 | 6.8216 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3500 | XXXX |
| 247 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | Yes | Yes | 8285.72 | 11/20/2025 | 6.4874 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XXXX |
| 248 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | No | Yes | 29795 | 9/26/2025 | 6.5893 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XXXX |
| 249 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 7.1629 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XXXX |

---

<br>©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 99.5

**Exhibit 99.5 Schedule 5**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *50* |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** | **Unique ID** |
| 9 | XXXX | XXXX | Origination Date | XX/XX/XXXX | XX/XX/XXXX | XXXX |
| 9 | XXXX | XXXX | Property Type | Detached PUD | Attached PUD | XXXX |
| 15 | XXXX | XXXX | Debt to Income Ratio (Back) | 37.4450 | 34.1907 | XXXX |
| 15 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | XXXX |
| 15 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 28 | XXXX | XXXX | Debt to Income Ratio (Back) | 30.8410 | 40.5879 | XXXX |
| 28 | XXXX | XXXX | Origination Date | XX/XX/XXXX | XX/XX/XXXX | XXXX |
| 28 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | Condotel | XXXX |
| 74 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 83 | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | XXXX |
| 97 | XXXX | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi | XXXX |
| 101 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 103 | XXXX | XXXX | Debt to Income Ratio (Back) | 38.9220 | 42.109 | XXXX |
| 103 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XXXX |
| 103 | XXXX | XXXX | Property Type | SFR | 2 Family | XXXX |
| 106 | XXXX | XXXX | Debt to Income Ratio (Back) | 43.4850 | 34.9916 | XXXX |
| 114 | XXXX | XXXX | Debt to Income Ratio (Back) | 42.6160 | 46.8764 | XXXX |
| 124 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 126 | XXXX | XXXX | Debt to Income Ratio (Back) | 47.0380 | 41.9085 | XXXX |
| 137 | XXXX | XXXX | Debt to Income Ratio (Back) | 30.4960 | 25.3863 | XXXX |
| 139 | XXXX | XXXX | Debt to Income Ratio (Back) | 44.9640 | 40.9898 | XXXX |
| 139 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XXXX |
| 139 | XXXX | XXXX | Property Type | SFR | 2 Family | XXXX |
| 139 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 144 | XXXX | XXXX | Debt to Income Ratio (Back) | 34.0860 | 30.9055 | XXXX |
| 144 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XXXX |
| 144 | XXXX | XXXX | Property Type | SFR | 2 Family | XXXX |
| 146 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 147 | XXXX | XXXX | Property Type | SFR-Attached | 2 Family | XXXX |
| 156 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XXXX |
| 156 | XXXX | XXXX | Property Type | SFR | 2 Family | XXXX |
| 165 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 170 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XXXX |
| 174 | XXXX | XXXX | Documentation Type | Asset Depletion | DSCR | XXXX |
| 174 | XXXX | XXXX | Property Type | SFR | 3 Family | XXXX |
| 174 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 178 | XXXX | XXXX | Property Type | SFR | 4 Family | XXXX |
| 179 | XXXX | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi | XXXX |
| 188 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XXXX |
| 188 | XXXX | XXXX | Property Type | SFR | 3 Family | XXXX |
| 189 | XXXX | XXXX | Property Type | SFR | 4 Family | XXXX |
| 190 | XXXX | XXXX | Property Type | SFR | 4 Family | XXXX |
| 191 | XXXX | XXXX | Debt to Income Ratio (Back) | 47.4170 | 40.6477 | XXXX |
| 203 | XXXX | XXXX | Debt to Income Ratio (Back) | 38.0350 | 28.6792 | XXXX |
| 203 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XXXX |
| 205 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XXXX |
| 220 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 224 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 230 | XXXX | XXXX | Documentation Type | Asset Depletion | DSCR | XXXX |
| 232 | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | XXXX |
| 232 | XXXX | XXXX | Origination Date | XX/XX/XXXX | XX/XX/XXXX | XXXX |
| 236 | XXXX | XXXX | Original Appraised Value | XXXX | XXXX | XXXX |
| 239 | XXXX | XXXX | Property Type | SFR | 2 Family | XXXX |
| 240 | XXXX | XXXX | Origination Date | XX/XX/XXXX | XX/XX/XXXX | XXXX |
| 240 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 242 | XXXX | XXXX | Debt to Income Ratio (Back) | 27.8480 | 22.7523 | XXXX |
| 242 | XXXX | XXXX | Property Type | SFR | 2 Family | XXXX |
| 242 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 243 | XXXX | XXXX | Debt to Income Ratio (Back) | 2314.499 | 0 | XXXX |
| 243 | XXXX | XXXX | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | XXXX |
| 244 | XXXX | XXXX | Documentation Type | Asset Depletion | Asset Qualifier | XXXX |
| 245 | XXXX | XXXX | Debt to Income Ratio (Back) | 49.9030 | 38.4854 | XXXX |
| 245 | XXXX | XXXX | Documentation Type | Full Doc | Asset Depletion | XXXX |
| 246 | XXXX | XXXX | Debt to Income Ratio (Back) | 25.0300 | 21.974 | XXXX |
| 247 | XXXX | XXXX | Debt to Income Ratio (Back) | 47.4710 | 43.6942 | XXXX |
| 248 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |
| 249 | XXXX | XXXX | Debt to Income Ratio (Back) | 25.2650 | 39.7354 | XXXX |
| 249 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XXXX |
| 249 | XXXX | XXXX | Seller Loan Number | XXXX | XXXX | XXXX |

---

©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 99.5

**Exhibit 99.5 Schedule 6**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *74* |
| ***Loans with Conditions:*** | *35* |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** | **Unique Id** |
| 9 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | XXXX |
| 15 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | XXXX |
| 28 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | XXXX |
| 45 | XXXX | XX/XX/XXXX | Not Applicable D C | A | A D C | A | A | Not Applicable | XXXX |
| 55 | XXXX | XX/XX/XXXX | Not Applicable | N/A | N/A | N/A | N/A | Not Applicable | XXXX |
| 74 | XXXX | XX/XX/XXXX | Not Applicable | N/A | N/A | N/A | N/A | Not Applicable | XXXX |
| 79 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | XXXX |
| 82 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | XXXX |
| 83 | XXXX | XX/XX/XXXX | Not Applicable C | A | A C | A | A | Not Applicable | XXXX |
| 86 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 97 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 98 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 101 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 102 | XXXX | XX/XX/XXXX | Not Applicable C | A | A C | A | A | Not Applicable | XXXX |
| 103 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 104 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 105 | XXXX | XX/XX/XXXX | Not Applicable D C | A | A D C | A | A | Not Applicable | XXXX |
| 106 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 114 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 116 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 123 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 124 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 126 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 131 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | XXXX |
| 135 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 137 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 138 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 139 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 142 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | D | A D | D | A | Not Applicable | XXXX |
| 144 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 146 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 147 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | N/A | N/A | N/A | N/A | Not Applicable | XXXX |
| 149 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 150 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 156 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 157 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | XXXX |
| 158 | XXXX | XX/XX/XXXX | Not Applicable C | C | A C | C | A | Not Applicable | XXXX |
| 165 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 167 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | XXXX |
| 170 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | XXXX |
| 174 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 178 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 179 | XXXX | XX/XX/XXXX | Not Applicable C | A | A C | A | A | Not Applicable | XXXX |
| 182 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 185 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 188 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 189 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 190 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 191 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 203 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 204 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 205 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 212 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 213 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 215 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 218 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 220 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 224 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 226 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 230 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 232 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 234 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |
| 236 | XXXX | XX/XX/XXXX | Not Applicable B | B | A B | B | A | Not Applicable | XXXX |
| 238 | XXXX | XX/XX/XXXX | Not Applicable C | A | A C | A | A | Not Applicable | XXXX |
| 239 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 240 | XXXX | XX/XX/XXXX | Not Applicable B | B | A B | B | A | Not Applicable | XXXX |
| 242 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | No | XXXX |
| 243 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | XXXX |
| 244 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | Not Applicable | XXXX |
| 245 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 246 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | XXXX |
| 247 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 248 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | XXXX |
| 249 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A | A | A D | A | A | Not Applicable | XXXX |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.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 via reliance letter by Rithm Capital, 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 on a Loan with an origination date of June 2025 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained one (1) Loans totaling an aggregate original principal balance of approximately $400,000 (the "Loan").

**(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), Fitch Ratings, Inc. ("Fitch") and KBRA, Inc. ("Kroll").

**(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;Maturity Date | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Zip |

---

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.

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

**<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.

1 \| P a g e

![](ex99-6_001.jpg)

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

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

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

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

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

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

▪ 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.

2 \| P a g e

![](ex99-6_001.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.**

Not applicable.

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

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

**(9) Disclaimer.**

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

3 \| P a g e

![](ex99-6_001.jpg)

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

**OVERALL REVIEW RESULTS SUMMARY**

Of the one (1) Loan reviewed, one (1) Loan or (100%) received an overall "A" 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;1 | &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;**1** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Of the one (1) Loan reviewed, one (1) Loan or (100%) received a credit "A" 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 Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**1** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Of the one (1) Loan reviewed, one (1) Loan or (100%) received an property/valuation "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;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;**1** | &nbsp;&nbsp;**100.00%** |

---

4 \| P a g e

![](ex99-6_001.jpg)

**EXCEPTION CATEGORY SUMMARY** 

There were no 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;**Fitch & Kroll <br> Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**0** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one (1) Loan reviewed, one (1) unique Loan had a total of one (1) different tape discrepancy across one (1) data field. The largest variance was found in Property Type where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**4.76%** | &nbsp;&nbsp;**1** |

---

5 \| P a g e

![](ex99-6_001.jpg)

**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;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$400000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400000.00** | &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;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$400000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400000.00** | &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;Other-than-first-time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$400000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$400000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400000.00** | &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;PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$400000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400000.00** | &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;Investment | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$400000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$400000.00** | &nbsp;&nbsp;**100.00%** |

---

6 \| P a g e

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

---

| |
|:---|
| ![](ex99-6sch1_001.jpg) |
| **Valuation Report** |
| **Run Date - 1/28/2026 2:44:26 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **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** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 802 | XX | XX | XX |  | XX | XX | XX | XX |  | $0.00 | 0.000% | XX | XX | XX | Appraisal | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| |
|:---|
| ![](ex99-6sch2_001.jpg) |
| **ASF Addendum - Business Purpose** |
| **Run Date - 1/28/2026 2:44:28 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** |
| 802 | XX | XX | XX |  |  | XX | XX | XX | XX | Yes | No | Long Term |  | $4500.00 | 1004/70 | $4500.00 | Third Party Rental Source | $2911.92 |  | 0.000000 | 0.65 |  |  | 1.55 | 1.55 | $2911.92 |  |  | No |  |  |  | Long Term |  | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30477.00 | Yes | $89.00 | $485.17 | $129.42 | Level 3-Stated/Partially Verified | No | 1 | 6 | No | No |  | Experienced Investor |  | US Citizen |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XX | Individual | Individual |  | XX | XX | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | 05/25/2025 | 760 | Fair Isaac (VER. 2) | 703 | FICO Classic V5 Facta | 723 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | XX | 1 | 2025 | 1350 | 3 | 2 | C1 | XX | $0.00 |  |  |  |  |  |  |  | 61.538% | XX |  |  | 61.538% |  |  | 61.538% |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch3_001.jpg) |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - 1/28/2026 2:44:25 PM** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |

---

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| 802 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A |  |  |  |  |  | A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| |
|:---|
| ![](ex99-6sch4_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 1/28/2026 3:54:22 PM** |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **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** |
| 802 | XX | XX | XX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

| |
|:---|
| ![](ex99-6sch5_001.jpg) |
| **Exception Grades** |
| **Run Date - 1/28/2026 2:44:25 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 802 | XX | XX | XX |  | 34474707 | 12025060486-23688 | 07/18/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage is insufficient. Replacement cost is listed as $XX and coverage is $XX. |  |  |  | Reviewer Comment (2025-08-05): Cleared with updated insurance document.<br>Buyer Comment (2025-08-01): 08/01-Please see policy reflecting sufficient coverage | 08/05/2025 |  |  | 1 C A | XX FL | Investment | Purchase | C A |  | A |  | N/A | No |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary

NRMLT 2026-NQM3

Dated: January 29, 2026

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

![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview**

**Evolve Mortgage Services ("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 Rithm Capital (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.**

**Sample size and criteria.**

The final population of the Review covered 4 Business Purpose Loans totaling an aggregate original principal balance of approximately $1,597,500.00 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

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

The Review was conducted consistent with the criteria for Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA"), the 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. Discrepancies outside of reasonable tolerances were reported. 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 |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

**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 Population, 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 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.

**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).

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

![](ex99-7_002.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 (a) 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.

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.

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

---

![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

**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) debt-to-income ratio ("DTI(s)") 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.

**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 Population), (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, (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.

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

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.

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &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;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;4 | &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;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;4 | &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;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

---

![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;4 | &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;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**4** | &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;First Payment Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

---

![](ex99-7_002.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.

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| P a g e |

---

![](ex99-7_002.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;a) <u>Rescission (§1026.23):</u> 

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

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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); <br>

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

**(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;

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| P a g e |

---

![](ex99-7_002.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;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 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. <br>

&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 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. <br>

&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 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;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.

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 10 \| P a g e |

---

![](ex99-7_002.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;■ Initial application (1003);

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| P a g e |

---

![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;d) <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; and

&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;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. <br>

**(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;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;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.

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 12 \| P a g e |

---

![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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.

 

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 13 \| P a g e |

---

![](ex99-7_002.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.

**(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;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;

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 14 \| P a g e |

---

![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

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 NRSRO and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 15 \| P a g e |

---

![](ex99-7_002.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;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

---

![](ex99-7_002.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. <br>

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

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

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

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

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

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.

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

---

![](ex99-7_002.jpg)

Forward Thinking. Seamless Solutions.

**(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;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

---

| | | |
|:---|:---|:---|
| ![](ex99-7_003.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) | ![](ex99-7sch1_001.jpg) |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** |
| **LOAN INFORMATION** | **Origination Values** | **AVM Values** | **Desk Review Values** | **Desk Top Review Values** | **BPO Values** | **Field Review Values** | **2055 Values** | **Updated Values** | **Updated Multi Property Values** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **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** | **Second Appraisal Date** | **Second Appraisal Type** | **Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **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** |
| 798 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 799 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  | XX | $0.00 | 0.00% | XX | Moderate | XX |  |  |  | N/A |  |
| 800 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 801 | XX | XX | XX | XX | XX |  | XX | XX | XX | 1004 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| |
|:---|
| ![](ex99-7sch1_002.jpg) |
| **Business Purpose Data** |
| **Run Date - 01/29/2026 2:14:46 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** | **EIN Number** |
| 798 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3300 | 1.2 | 1.2 | $2747.73 |  |  |  | No |  |  | NO | $0.00 | $449.27 | $114.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 18 | 20 | US Citizen |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 771 | 770 | 776 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1977 | 1612 | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 799 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3815.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3815 | 1 | 1 | $3812.86 |  |  |  | No |  |  | NO | $0.00 | $819.23 | $106.51 | Stated, Verified | NO | 2 | 4 |  | No | No | Experienced | 10 | 20 | US Citizen |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 771 | 770 | 776 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1956 | 1458 | 3 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 800 | XX | XX | XX |  | XX | XX | XX | XX | Debt Service Coverage | Yes | No | $0.00 | $3400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3400 | 1.02 | 1.02 | $3332.37 |  |  |  | No |  |  | NO | $0.00 | $690.23 | $112.58 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 15 | 20 | US Citizen |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 771 | 770 | 776 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1991 | 1266 | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |
| 801 | XX | XX | XX | XX | XX | XX | XX | XX | Debt Service Coverage | Yes | Yes | $3000.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3000 | 0.79 | 0.79 | $3815.43 | 20251031 | 12 |  | No |  |  | NO | $0.00 | $810.11 | $114.17 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 20 | 20 | US Citizen |  | 771 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XX | XX |  | US Citizen | Stated, Verified | 771 | 770 | 776 |  |  |  |  |  |  |  |  | Not Required |  | XX |  | XX | 1 | 1906 | 1680 | 5 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XX | FALSE |  | XX |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

---

| |
|:---|
| ![](ex99-7sch1_003.jpg) |
| **Exception Detail** |
| **Run Date - 01/29/2026 2:14:46 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **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** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 800 | XX | XX | XX | 7137408 | 330 | 04/17/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The fraud report is missing from the loan file. | Received fraud report with alerts cleared |  |  | 04/21/2025 |  | A | 1 | XX NJ | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| |
|:---|
| ![](ex99-7sch1_004.jpg) |
| **QM ATR Data** |
| **Run Date - 01/29/2026 2:14:46 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **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** |
| 798 | XX | XX | XX | Exempt | N/A | No | XX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 799 | XX | XX | XX | Exempt | N/A | No | XX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 800 | XX | XX | XX | Exempt | N/A | No | XX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 801 | XX | XX | XX | Exempt | N/A | No | XX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

---

| |
|:---|
| ![](ex99-7sch1_005.jpg) |
| **Data Compare** |
| **Run Date - 01/29/2026 2:14:46 PM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 798 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 798 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 798 | XX | XX | XX | Note Date |  | XX | verified |
| 798 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 798 | XX | XX | XX | Product Code | XX | XX | Same |
| 798 | XX | XX | XX | QM Status |  | Exempt | verified |
| 799 | XX | XX | XX | First Payment Date | XX | XX | Verified w/ note |
| 799 | XX | XX | XX | Maturity Date | XX | XX | Verified w/ note |
| 799 | XX | XX | XX | Note Date |  | XX | Verified w/ note |
| 799 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified w/ note |
| 799 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 800 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 800 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 800 | XX | XX | XX | Note Date |  | XX | Verified |
| 800 | XX | XX | XX | Prepayment Penalty Type |  | Hard | Verified |
| 800 | XX | XX | XX | Product Code | XX | XX | same |
| 800 | XX | XX | XX | Property Street Address | XX | XX | Verified |
| 800 | XX | XX | XX | QM Status |  | Exempt | Organizational Exemption |
| 801 | XX | XX | XX | Original Amortization Term | 360 | 240 | verified |
| 801 | XX | XX | XX | First Payment Date | XX | XX | verified |
| 801 | XX | XX | XX | Maturity Date | XX | XX | verified |
| 801 | XX | XX | XX | Note Date |  | XX | verified |
| 801 | XX | XX | XX | Prepayment Penalty Type |  | Hard | verified |
| 801 | XX | XX | XX | QM Status |  | Exempt | verified |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 6**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-7sch1_006.jpg) | ![](ex99-7sch1_006.jpg) | ![](ex99-7sch1_006.jpg) | ![](ex99-7sch1_006.jpg) | ![](ex99-7sch1_006.jpg) | ![](ex99-7sch1_006.jpg) | ![](ex99-7sch1_006.jpg) | ![](ex99-7sch1_006.jpg) | ![](ex99-7sch1_006.jpg) |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** | **Run Date - 01/29/2026 2:14:46 PM** |
| **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Dummy ID | **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** |
| 798 | XX | XX | XX | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 799 | XX | XX | XX | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 800 | XX | XX | XX | XX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 801 | XX | XX | XX | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---